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How the Bank of Mum & Dad Is Shaping an Inheritocracy, with Dr Eliza Filby.
Wednesday, 14 January, 2026
đ WATCH THIS EPISODE ON YOUTUBE đMoney chats are awkward enough⌠but money you didnât earn? Thatâs 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 itâs quietly reshaping everything from the housing market to our friendship groups. We dig into why âinheritocracyâ 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 canât 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 Elizaâs take on raising resilient kids, what Gen Alpha is up against, why entrepreneurship is the new rockânâroll, and her best advice for building financial independence, whatever your starting line.Elizaâs book: Inheritocracy: Itâs 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 HallwrightProducer & Editor: Emily RigbySocial & Digital Manager: Lucy Munroâ â Leave us a message on The Curve Hotline đâď¸â â For more from The Curve:â â â â â â Investing Clubâ â â â Websiteâ â â â Instagramâ â â â â â YouTubeâ â â â â â TikTokâ â â â â â Newsletterâ â (00:00:00) Episode preview(00:00:56) Meet Dr Eliza Filby(00:01:35) Why âinheritocracyâ makes everyone squirm(00:05:53) Elizaâs story + what âinheritocracyâ actually means(00:12:05) The quiet perks: childcare, free rent, safety nets(00:15:00) You canât always âtellâ 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 Alphaâs future: resilience in a chaotic world(00:30:44) Why entrepreneurship is the new rock star dream(00:34:18) Elizaâs advice for building financial independence(00:39:27) Thank you for listening to Raising The Curve!(00:39:52) Financial disclaimerDisclaimer: 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.
