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Matt Waugh's work experience includes roles at Findex, RACV, and Westpac. Matt started their career at Westpac as a Bank Manager in 1997 and worked there until 2001. Matt then moved on to RACV, where they worked as a Financial Planner from 2001 to 2004. In 2009, they joined Findex as a Financial Planner and later took on the roles of Head of Product Development from 2014 to 2019 and Head of Research Department from 2018. Matt'stenure at Findex ended in 2019.

Matt Waugh attended the Geelong College from 1989 to 1991. Matt then pursued a Masters in Financial Planning (MFinPlan) at the University of the Sunshine Coast from 2005 to 2008.