Matt was born in Barfield in 1991, to Taylor and Bradley Finch, then four years later, his younger sister, Isobel was born, and the two of them never really got along that well. Matt started elementary school at Hadenberg Elementary School in Barfield, before getting bullied for his first two weeks of school and asking to go to a new school, when his parents, who for some reason were opposed to sending him to Barfield Elementary School, decided to send him to Miduna Beach Elementary School, and he met Bec on his first day there after she, being Bec, accidentally spilled paste all over him. His parents also took him to a lot of country club meetings around the area, and Matt also became friends with Lauren, seeing as she was the only one around the same age as him. The two of them grew closer and ended up becoming best friends who were practically inseparable. Matt made the choice to go to Miduna Beach High School with his friend Bec, rather than a private high school, and as a result his sister Izzy was forced to follow in his footsteps.
At some point towards the end of high school, he dated Meghan Shields briefly, and broke up with her when she started accusing Bec of trying to steal her boyfriend. Matt seemed to acquire a taste for crazy redheads though, considering his next girlfriend was Lian. After high school, Matt, Bec and Bec's then-boyfriend Tom, decided to move out together so that they could a) be closer to Desmond for Bec and Matt, and b) get away from Matt's crazy parents. Matt got a job at Bookends to help pay rent, and thanks to a bunch of inheritance, he bought his own car, and he studied English, majoring in creative writing, at Desmond.
In 2012, he met Marzia while she was lost in Miduna Beach and the two of them became friends, and in early 2013, he met Lian. Although he and Lian didn't get along that well at first, they eventually felt some physical attraction towards each other and they made out a few times in public places. In early May, 2013, Matt found out at a family reunion that his younger sister, Izzy was a bit over five months pregnant with some heroin junkie's baby, and while Matt was initially doubtful that Izzy would make a good mother, given her rebellious streak, he was proved wrong, and his nephew, Alexander James Finch was born on June 28, 2013. Bec later pointed out to Matt that Izzy named him after Matt with the middle name.
Later in 2013, Matt was promoted to assistant-manager at Bookends, and in July, he went to visit Florida for a few months following the big media-hype about Trayvon Martin, and he wanted to document the events similar to the way The Laramie Project was documented. He eventually decided this project wasn't for him and he flew back to Miduna Beach, to his now empty apartment after Bec and Tom moved out. While he worked on getting his novel published, he got an offer from an independent film company who wanted to make a movie about his story, however, he wouldn't have had any say in what they did with it, and while Matt was okay for this to happen, they eventually scrapped the idea and he had to find another way to get his novel published.
Anyway, several months later, Matt's cousin Will showed up at his front door, telling him that he was kicked out by his parents after he had sex with a black girl and they found out, seeing as anyone over forty in the Finch family is extremely racist. Matt reluctantly agreed to let Will move in. Shortly afterwards, Matt won $100,000 on a lottery ticket, and while he spent a bit of it paying for a Hawaiian cruise for him and Lian, he spent a lot of it getting his book published. After getting back from his two week cruise at the end of June 2014, Matt found out from his publisher that his book had sold its first thousand copies. Around the same time, Bec came back from New York to visit, and Matt and Bec went out looking at an open house, and Matt made an offer on it, before telling Lian.