Buy Now, Pay Later Can Now Wreck Your Credit Score.

This week Sophie's joined by chartered accountant, author and finance creator Abi Foster (filling in for Vic) to unpack the UK's brand-new Buy Now, Pay Later regulations - why they've come in, what they actually mean for your credit score, and how one woman ended up $50k in debt using it. Plus: should you be divesting from the US stock market right now, SpaceX's IPO wobble and Elon losing his trillionaire status, the $110bn Warner Bros/Paramount merger 12 US states are trying to block, and a genuinely lovely bonus story about a Costco cashier who built a $1m retirement pot on minimum wage. Abi’s Links ⁠The Money Manual Book⁠: https://www.penguin.co.uk/books/46857... ⁠Instagram⁠: https://www.instagram.com/abigailrosefoster/ ⁠TikTok: https://www.tiktok.com/@abigailrosefoster ⁠YouTube: https://www.youtube.com/channel/UCmvbS2HZTs72pst13nBEmJw/videos Substack: https://elent.substack.com/ Submit your money and morals question to The Ethical Hotline: https://form.typeform.com/to/BZHujjGM and if you want to check out any of the questions we've already answered you can find them here! (https://pathfinder.kiwi/pathfinder-x-the-curve/) Lily’s guide to ethical investing template: https://pathfinder.kiwi/media/documents/Pathfinder_x_The_Curve_Mini_Ethical_Investment_Policy.pdf WTF does that mean? A guide to all the jargony bits: FCA The UK's finance regulator, now policing BNPL. Section 75 Your provider's on the hook if a purchase goes wrong. Soft check A background check that doesn't dent your credit score. Credit score The number lenders use to judge how risky you are. Earnings season Weeks when public companies report results. S&P 500 The top 500 US companies. Magnificent Seven The 7 tech giants dominating the US market. Divesting Selling investments to cut your exposure. Emerging markets Fast-growing but riskier economies. IPO A company's first share sale to the public. Monopoly One player controls the market, no competition. Credits: Host: Sophie Hallwright Guest: Abi Foster Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro ⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠ For more from The Curve:⁠⁠⁠⁠ ⁠⁠Website⁠⁠ (https://thecurveplatform.com/) ⁠⁠Instagram⁠⁠ (https://www.instagram.com/thecurveplatform/)⁠⁠⁠ ⁠YouTube⁠⁠ (https://youtube.com/@thecurveplatform?si=nlCWqqqySWOzYlj3) ⁠TikTok⁠⁠ (https://www.tiktok.com/@thecurveplatform)⁠⁠⁠ ⁠Newsletter⁠⁠ (https://thecurve.co.nz/pages/sign-up-to-the-curve-weekly) Substack (https://thecurveplatform.substack.com/) Chapters

00:00:00 Coming up in this episode… 00:01:12 Pathfinder x The Curve 00:01:42 Abi's back on the pod! 00:03:53 Buy now, pay later: the rules just changed 00:17:43 Should we be divesting from the US? 00:29:53 Pathfinder x The Curve 00:31:05 The $110bn media merger nobody saw coming 00:36:34 Soph's bonus story 00:39:25 The Ethical Hotline 00:45:05 Thank you for listening! 00:46:13 Financial disclaimer

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