Charlotte grew up in a household where money wasn't discussed. Not because it was taboo, because her parents simply didn't have the knowledge.
Coming from a background where finances were not talked about, I really made it a point to educate myself to a certain level where I could be better than them in that regard.
That self-education didn't stay private. It became a mission.
I feel that it is my responsibility to share that knowledge with everyone.
How Charlotte talks about investing at parties
In Belgium, people don't talk about money. Charlotte thinks that's the problem, not the norm.
Belgium is a country where people don't talk about money. That's the dumbest thing ever. That's how everyone stays poor.
She doesn't wait for the topic to come up. She creates it. Her method is disarmingly direct: she shares her own salary first. That opens the door.
I always tend to share first how much I make. Then people are more likely to be open. And then I always ask: how do you invest? What do you do?
When the answer is "nothing" or "I'm scared," she has something concrete to point them to.
The thing I push the most is: you don't have to think about it. Everything can be automated and then it just goes.
And the place this happens most often? Not at work. Not online. At parties.
What Charlotte tells friends who are scared of investing
Charlotte's friend Nikita had been travelling the world but had no financial plan.
I was like, darling, you've been travelling the world, but what do your finances look like? Are you saving? Are you investing?
Nikita's answer: she was scared of investing because she was scared of losing money.
Charlotte walked her through the basics including the uncomfortable truth about inflation. "Whether you invest or not, you're already losing money either way."
Nikita signed up for Curvo about six months ago. Her recent feedback to Charlotte: "It's been up, it's been down, but I'm going to stay for the long run."
Why Charlotte recommends Curvo to everyone she knows
Charlotte doesn't get paid for referrals. She does it because nobody did it for her.
Nobody's going to come save me. I'm probably the one that's going to come and save my parents if they're in need. So I don't have that luxury.
She sees Curvo as the tool that makes the conversation land. Without it, "you should invest" is vague advice. With it, she can say: start with €50, automate it, and forget about it. That's a specific next step, and a specific next step is what turns a party conversation into an actual portfolio.
If you can spend €50 on a dinner, you can spend €50 a month on doing something for your future self.
You might be wondering
How do you talk about investing with friends?
Charlotte breaks the ice by sharing her own salary first. "I always tend to share first how much I make. Then people are more likely to be open." From there, she asks what they do with their money and points them to Curvo as a concrete next step.
Is investing scary for beginners?
Charlotte's friend Nikita was scared of losing money. Charlotte's response: "Whether you invest or not, you're already losing money either way" to inflation. Nikita signed up for Curvo six months ago and plans to stay for the long run.
Why do people recommend Curvo?
Charlotte has referred 20 to 30 people to Curvo without any financial incentive. She does it because Curvo turns vague advice ("you should invest") into a specific action: start with €50, automate it, forget about it. "The thing I push the most is: you don't have to think about it."