What Is the Cost of Being Broke?
It’s one of the cruelest jokes out there. The cost of being broke is higher than the cost of having money. When you’re broke, you pay more, literally, for everything. You get slapped with fees, hit with high interest rates, and end up overpaying for basic things most people take for granted. Insurance, housing, even…
Debt Relief Vs Debt Consolidation: How to Spot and Avoid Scams
When you’re buried in bills, any offer of help sounds appealing. Which is exactly what scammers are counting on. If you’re exploring debt relief vs debt consolidation, it’s important to know the difference and how scammers prey on people desperate for a way out. Debt consolidation can be a powerful tool when used correctly. Debt…
Frugal, Sustainable, Smart: How to Build a Life You Can Afford
When it comes to building real financial freedom, it’s not about sudden windfalls or miracle paychecks. It’s about mastering the quiet art of everyday habits. And one of the smartest moves you can make? Embracing frugal and sustainable living. You don’t have to be an environmentalist to care about sustainability. You just have to care…
What Is the 50/30/20 Budgeting Rule—and Does It Really Work When You’re Broke?
If you’ve ever typed “how to make a budget” into a search bar, chances are the 50/30/20 rule popped up. It’s a simple, clean-sounding system that breaks your take-home pay into three neat categories:50% for needs, 30% for wants, and 20% for savings or debt repayment. Sounds great, right? But here’s the truth: If you’re…
Welcome to Matt’s Dad Says…
You know how some things just click one day? Maybe it’s something you’ve heard a dozen times—or a hundred—but it finally sinks in when you’re ready for it. That’s what this site is about. Matt’s Dad Says… is here to help real people figure out real money—without judgment, without shame, and without expecting you to…