I like your honest reply, bigsky.
One part cannot be explained (we have no clue where energy came from), one part can get explained (how matter derived from energy).
It is quite complex to explain, but at the same time it is simple (simpler actually than the Big Bang model).
If we look at the subatomic particles, then we can already see two kinds of energy.
1. The quarks formed under great duress during the materialization process and, once liberated from the great pressures, formed the neutrons and protons immediately.
Neutrons and protons are the linear form of matter, found in the nuclei of atoms.
2. The electrons. They are negatively charged and perfectly neutralize the positive charges of the protons. We kept living in a neutrally charged universe, but now with a charge under control at the subatomic levels.
Electrons are the non-linear form of matter, not found in the nuclei of atoms.
That alone is enough already to understand that matter is a transformation of original energy, via two distinct pathways. I can tell more about this, if interested.
Matter is very easy to explain.
Where energy came from? We have no evidence that can tell us how energy began. Yet it was indeed present already, just like we know for a fact that an egg was present at first when we come across an omelet. We then also know that the egg had to get broken.
The prior state of the universe broke. The setup ended with setting itself up for a break.
How is that possible?
A toy that broke tells the story. At first it had an ability but, now that the toy is broken, it does not have that ability any longer. Meaning: Energy as it existed prior had an ability that is now gone for good.
If interested in more on the Big Whisper model, let me know.