It is common to feel self-conscious or embarrassed when starting to budget. Our culture has normalized financial irresponsibility to the point that people will often discourage their own friends from taking positive steps toward stability and control.

In this episode, we unpack why budgeting feels uncomfortable at first, how social pressure reinforces unhealthy money habits, and why choosing financial discipline is an act of confidence—not deprivation. If you have ever felt judged for trying to get your finances in order, this conversation is for you.

Subscribe to us on YouTube @themattmoneyshow - or wherever you get podcasts. Check out our instagram @themattmoneyshow and DM us your money question!

Saying that rent is "throwing money away" is a myth, and a SUPER expensive one when people buy houses they can't afford to "start building wealth." Renting buys you time to save up a strong downpayment and emergency fund for the heavier responsibilities of home ownership.

Learn about what it means to be "house poor," the percentage of your monthly budget that should be for housing, and how to know if you're financially ready to be a home owner.

Subscribe to us on YouTube @themattmoneyshow - or wherever you get podcasts. Check out our instagram @themattmoneyshow and DM us your money question!

Learn where to keep your emergency fund, and how much it should be!

Subscribe to us on YouTube @themattmoneyshow - or wherever you get podcasts. Check out our instagram @themattmoneyshow and DM us your money question!