Gen X, Retirement, and the Fear No One Talks About

Gen X is closer to retirement than many realize—and the doubts are getting louder. On this episode, Steve Aul breaks down why Gen X savers feel behind, how market crashes shaped their mindset, and what really matters when replacing a paycheck in retirement. The conversation spans tax complexity, gu…

Market Drops Aren’t the Real Threat—Here’s What Is

Market drops feel random—until you zoom out and see the pattern. On this episode, Steve Aul breaks down why corrections and bear markets are part of the investing landscape and why fear often does more damage than volatility. The conversation explores risk versus reward, ways people think about pro…

When Market Noise Meets Retirement Reality

Market headlines are loud—but what actually matters when volatility, Social Security questions, and retirement decisions collide? On this episode, Steve Aul breaks down how geopolitical tension can ripple through markets, why Social Security’s future is back in focus, and what it means for retireme…

Volatility, Taxes, and the One Retirement Choice You Can’t Undo

Market swings, million‑dollar milestones, and one decision you only get to make once—this episode covers why timing matters more than headlines. Steve Aul breaks down recent market volatility, and the emotional traps investors fall into, then shifts to the hidden risks of being a “paper millionaire…

Hear From New Member of Aul Financial Family Tracey Richardson

What keeps people up at night when their entire financial future is on the line? Tracey Richardson, an investment advisor with more than 25 years in financial services, joins the podcast to have real conversations behind retirement planning. From longevity worries and market noise to the importance…

Market Pullbacks, Retirement Paychecks, and the Cost You Didn’t See Coming

What do Oreo cookies, market pullbacks, and retirement taxes have in common? More than you might expect. On this episode Steve Aul breaks down market volatility warnings, income planning in retirement, and why expectations—whether about investment risk, withdrawal rates, or taxes—don’t always match…

Is Gold Really the Golden Ticket—or a Risk in Disguise?

Gold may be soaring, but is it really the safe haven investors hope for? On this episode, Steve Aul breaks down the hype around record‑high gold prices, the realities of gold IRAs, and the hidden risks many retirees overlook. From tax‑rate traps to emotional investing, Steve explores the assumption…

Are You Saving Enough—Or Spending the Wrong Way?

When rising costs force tough financial choices, how do you protect your future without sacrificing your present? On this episode, Steve Aul explores why Americans are cutting retirement savings, the real difference between needs and wants, and how spending habits matter as much as account balances…

Why Your 401(k) Isn’t What You Think It Is

Retirement might feel predictable—until taxes, income gaps, and Social Security decisions flip the script. On this episode, Steve Aul breaks down why your 401(k) balance isn’t truly yours, how taxes quietly drain retirement savings, and what smart planning can do to protect your future. You’ll hear…

The Truth Behind Your Tax and Social Security Assumptions

What if the financial “truths” you’ve always believed were actually myths? On this episode, Steve breaks down common misconceptions around taxes, Social Security, RMDs, charitable giving, and retirement income planning. From the real impact of delaying Social Security to smart strategies like Roth …