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

April 7, 2026

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, guaranteed income, spending anxiety, and why confidence—not just account balance—drives retirement comfort. The show also explores financial independence for women and the overlooked role of tax planning in long-term security.

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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.

Tune in with Steve Aul for “The Aul Financial Hour” on KMOX 1120 AM/104.1 FM every Saturday at 10:00 AM and Sunday at 6:00 PM.

March 31, 2026

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 protecting retirement assets, and how income, taxes, and annuities fit into replacing a paycheck. Steve also challenges long‑held “rules of thumb” that may no longer hold up in today’s longer retirements and changing tax realities.

Click Here to Listen Now!

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.

Tune in with Steve Aul for “The Aul Financial Hour” on KMOX 1120 AM/104.1 FM every Saturday at 10:00 AM and Sunday at 6:00 PM and on KFTK 97.1 FM every Saturday at 6:00 AM and 4:00 PM.

March 17, 2026

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 retirement income planning. The conversation explores diversification, managing risk after long bull markets, tax considerations inside IRAs and 401(k)s, and ways people think about protecting gains while staying invested—all through the lens of today’s economic uncertainty.

Click Here to Listen Now!

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.

Tune in with Steve Aul for “The Aul Financial Hour” on KMOX 1120 AM/104.1 FM every Saturday at 10:00 AM and Sunday at 6:00 PM and on KFTK 97.1 FM every Saturday at 6:00 AM and 4:00 PM.

March 10, 2026

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” when taxes turn wealth into income. The conversation also dives into business exit planning and the real-world tradeoffs of claiming Social Security early versus optimizing benefits, especially for married couples. Throughout, the focus stays on perspective, preparation, and decisions that shape long-term income and legacy.

Click Here to Listen Now!

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.

Tune in with Steve Aul for “The Aul Financial Hour” on KMOX 1120 AM/104.1 FM every Saturday at 10:00 AM and Sunday at 6:00 PM and on KFTK 97.1 FM every Saturday at 6:00 AM and 4:00 PM.

March 3, 2026

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 of feeling heard at the table, Tracy shares how comprehensive planning, empathy, and staying the course shape confident financial decisions—especially in uncertain times.

Click Here to Listen Now!

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.

Tune in with Steve Aul for “The Aul Financial Hour” on KMOX 1120 AM/104.1 FM every Saturday at 10:00 AM and Sunday at 6:00 PM and on KFTK 97.1 FM every Saturday at 6:00 AM and 4:00 PM.

February 17, 2026

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 reality. The conversation explores asset protection strategies, retirement income options, the real cost of taxes on 401(k)s and IRAs, and the decisions retirees face when rolling over employer plans, all with practical perspective and relatable analogies.

Click Here to Listen Now!

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.

Tune in with Steve Aul for “The Aul Financial Hour” on KMOX 1120 AM/104.1 FM every Saturday at 10:00 AM and Sunday at 6:00 PM and on KFTK 97.1 FM every Saturday at 6:00 AM and 4:00 PM.

February 10, 2026

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 assumptions that could derail your retirement strategy. They also unpack how economic acceleration, interest‑rate shifts, and the Secure Act are reshaping financial planning. A practical, grounded look at protecting your wealth in uncertain times.

Click Here to Listen Now!

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.

Tune in with Steve Aul for “The Aul Financial Hour” on KMOX 1120 AM/104.1 FM every Saturday at 10:00 AM and Sunday at 6:00 PM and on KFTK 97.1 FM every Saturday at 6:00 AM and 4:00 PM.

February 3, 2026

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. He breaks down the transition from building wealth to using it wisely, the hidden risks in political and market swings, and the crucial choices around Medicare and income planning. A clear, practical conversation for anyone wondering when they can retire—or whether they’ll have enough.

Click Here to Listen Now!

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.

Tune in with Steve Aul for “The Aul Financial Hour” on KMOX 1120 AM/104.1 FM every Saturday at 10:00 AM and Sunday at 6:00 PM and on KFTK 97.1 FM every Saturday at 6:00 AM and 4:00 PM.

January 20, 2026

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 conversions, QCDs, and personally funded pensions, you’ll hear practical insights that help you think differently about long‑term financial health—without quick fixes or guarantees. A relatable mix of storytelling, strategy, and humor makes this a must‑listen for anyone planning their financial future.

Click Here to Listen Now!

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.

Tune in with Steve Aul for “The Aul Financial Hour” on KMOX 1120 AM/104.1 FM every Saturday at 10:00 AM and Sunday at 6:00 PM and on KFTK 97.1 FM every Saturday at 6:00 AM and 4:00 PM.

January 13, 2026

What happens when the fear of running out of money collides with the realities of retirement? On this episode, Steve Aul breaks down the psychology of risk, why many retirees hesitate to spend their savings, and how tools like safer assets, income planning, and tax‑smart strategies can bring clarity. From de‑risking after age 50 to navigating RMDs, gifting, and combating “plutophobia,” Steve shares insights to help listeners understand their financial landscape and build confidence in their retirement decisions—without the hype or false promises.

Click Here to Listen Now!

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.

Tune in with Steve Aul for “The Aul Financial Hour” on KMOX 1120 AM/104.1 FM every Saturday at 10:00 AM and Sunday at 6:00 PM and on KFTK 97.1 FM every Saturday at 6:00 AM and 4:00 PM.

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