How the Bank of Mum & Dad Is Shaping an Inheritocracy, with Dr Eliza Filby.
Money chats are awkward enough… but money you didn’t earn? That’s next-level uncomfortable. In this episode, Soph sits down with Dr Eliza Filby, author of Inheritocracy, to unpack the Bank of Mum & Dad and how it’s quietly reshaping everything from the housing market to our friendship groups. We dig into why “inheritocracy” makes people squirm, how Eliza defines it (starting with her own story), and the less obvious privileges that come with family support: free rent, childcare, career safety nets, and the ability to take risks without everything collapsing. We also talk about why you can’t always spot who has family money, what a financial backstop does to your choices, when help can become too much (strings, guilt, and guardrails), plus Eliza’s take on raising resilient kids, what Gen Alpha is up against, why entrepreneurship is the new rock’n’roll, and her best advice for building financial independence, whatever your starting line. Eliza’s book: Inheritocracy: It’s Time to Talk About the Bank of Mum and Dad (https://www.penguin.co.uk/books/476298/inheritocracy-by-filby-eliza/9780753561904) Credits: Hosts: Victoria Harris & Sophie Hallwright Producer & Editor: Emily Rigby Social & Digital Manager: Lucy Munro Leave us a message on The Curve Hotline 💌☎️ For more from The Curve: Investing Club Website Instagram YouTube TikTok Newsletter Chapters 00:00:00 Episode preview 00:00:56 Meet Dr Eliza Filby 00:01:35 Why “inheritocracy” makes everyone squirm 00:05:53 Eliza’s story + what “inheritocracy” actually means 00:12:05 The quiet perks: childcare, free rent, safety nets 00:15:00 You can’t always “tell” who has family money 00:17:51 The power of a financial backstop 00:23:19 When help becomes harmful: money, guilt, and guardrails 00:26:51 Parenting with privilege (and how to not spoil them) 00:29:09 Gen Alpha’s future: resilience in a chaotic world 00:30:44 Why entrepreneurship is the new rock star dream 00:34:18 Eliza’s advice for building financial independence 00:39:27 Thank you for listening to Raising The Curve! 00:39:52 Financial disclaimer Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.
