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 insights on Roth conversions, the real story behind the 4% rule, Social Security timing, and how to build a “fun bucket” without wrecking your budget. It’s a clear, practical look at making your money last—and work harder—through every phase of retirement.

Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.

Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a and 4p on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .

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