Education

Debt Sucks Podcast

by Ben Matthews

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Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset

Latest episodes

Let's Build A REAL Debt Payoff Plan

October 21, 2026 · 17 min

What if you could build a realistic debt payoff plan using the money you already earn? Using a realistic case study of a listener named Pat, host Ben Matthews breaks down the exact three-step strategy—the Rock Pile, the Hammer, and the…
The Hidden Cost of Monthly Payments

October 14, 2026 · 16 min

Monthly payments make expensive purchases seem manageable, but every new financial obligation takes away a piece of your paycheck, time, energy, and freedom. In this episode, Ben Matthews exposes the hidden costs of financing purchases…
My Life — What Are You Actually Building?

October 7, 2026 · 16 min

How much of your life actually feels like it belongs to you? Money is only one way to measure the cost of debt because financial obligations can also consume your time, relationships, attention, and ability to make choices. This episode…
My Energy - How Much of You Is Left at the End of the Day?

September 30, 2026 · 16 min

Debt drains energy. Take My Energy back. Financial stress can quietly drain your mental and emotional energy long before it creates an obvious crisis, with bills, debt, uncertainty, and repeated decisions constantly running in the…
My People — Who Gets The Best of Me?

September 23, 2026 · 15 min

Is money stress ruining your relationship? Financial stress and debt often extend beyond bank accounts to damage personal relationships, leaving loved ones with depleted emotional energy and unnecessary friction. By shifting from…

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How Much of Your Time Is Actually My Time?

September 16, 2026 · 15 min

Debt isn’t just taking your money, it’s stealing your time. Every monthly debt payment represents actual work hours sacrificed to creditors, meaning debt steals valuable time rather than just money. By calculating a take-home hourly…
You Make Good Money. So Why Isn't Any of it Yours?

September 9, 2026 · 14 min

Do you often find yourself asking, “Where did my paycheck go?” A good salary can look impressive while leaving very little money available for actual choices. This episode introduces the concept of “my money,” showing how to calculate…
How Back-to-School Spending Turns Into Holiday Debt Stress

September 2, 2026 · 13 min

Believe it or not, planning for the end-of-year holidays starts now. Back-to-school season can quietly become the beginning of holiday debt as school expenses, fall activities, Halloween, Thanksgiving, and Christmas costs pile on top of…
How to Build Financial Stability When Your Income Changes Every Month

August 26, 2026 · 14 min

How can you build financial stability when you never know exactly what your next paycheck will be? Variable income does not have to create variable stress, but it requires a different financial system than the one designed for people with…
How To Talk About Money Without Starting A Fight

August 19, 2026 · 13 min

Money arguments are rarely about the numbers alone because spending, saving, and debt can trigger deeper emotions involving security, trust, shame, and respect. This episode explains how couples can replace blame with curiosity, schedule…
The $5,000 Microwave Handle

August 12, 2026 · 13 min

How can one small purchase trigger thousands of dollars in additional spending? A seemingly minor broken microwave handle can trigger a psychological spending cascade that results in thousands of dollars in unexpected debt. By…
Delulu Budgeting, Tiny Treats, and Why We're All Financially Coping

August 5, 2026 · 15 min

Buying yourself a tiny treat isn’t a personal failure; it’s releasing a pressure valve on a bigger underlying issue. This episode explores the hidden psychological underpinnings of "delulu budgeting" and "tiny treat culture," framing them…

Full episode archive on Apple Podcasts →

About the show

The Debt Sucks podcast is all about tackling the messiness of debt, adulting, and taking control of your finances without losing your mind. I’ll be sharing practical tips, real talk, and strategies like the Debt Sucks Plan to help people crush their debt and live a life of freedom.