What happens after you’ve figured out the math for retirement?
Join financial advisor Scott Brown and comedian Rauce Padgett as they explore what really comes next — the emotions, habits, and mindset shifts that shape your life after money.
From the psychology of saving to the comedy of bad spending, Aftermath blends real financial insight with honest conversations and plenty of laughs. It’s not just about returns — it’s about realizing what matters after the math.
In this episode of Aftermath, Scott and Ross tackle the deeper questions people don’t usually ask about money—but should.
Does money actually change who you are, or just reveal it? Is having no money worse than getting too much too fast? And why do so many people struggle to have honest financial conversations with their spouse?
They break down how fast money can quietly ruin people who aren’t prepared for it, why financial education matters more than income, and how even small habits—like monthly check-ins with your partner—can completely change your future. The conversation also dives into real-world examples of lottery winners, settlements gone wrong, and why avoiding money conversations is often the biggest mistake of all.
Scott also shares insight into raising financially aware kids, the importance of estate organization, and why understanding money should never feel intimidating.
With decades of experience and firsthand stories, this episode is all about building awareness, avoiding common traps, and getting on the same page—before it costs you.
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16 May 2026
Episode 16: The Biggest Money Mistakes People Make Too Late
In this episode of Aftermath, Scott and Ross break down some of the most misunderstood—and most important—concepts in financial planning.
From who really handles the money in a household, to why people fear tax brackets for no reason, this conversation tackles the gaps that leave people exposed later in life. They also dive into the role of luck vs. probability, the difference between investing and gambling, and how inaction is often disguised as “logic.”
With over 40 years of experience and thousands of client conversations behind it, this episode is all about simplifying the decisions that matter most—before it’s too late.
2 May 2026
Episode 15: The Hardest Money Habit to Break, IPO Myths & Why Thinking Small Keeps You Poor | Big Decisions, Self-Investment & Wealth Building
In this episode of Aftermath, Scott and Ross dig into one of the biggest barriers to building wealth—and it’s not what most people think.
Why do so many people stay stuck financially, even when they’re doing “the right things”? The answer often comes down to thinking too small.
Scott explains why tiny savings habits alone won’t create wealth, and how the real difference-makers are the big, uncomfortable decisions—career moves, education, and stepping outside your comfort zone.
Chapters:
00:00 Intro
01:00 The Hardest Money Habit to Change
03:30 Why Thinking Small Keeps You Stuck
06:00 Small Savings vs Big Decisions
09:00 Taking Financial Risks & Career Moves
12:00 Overpaying for What Actually Matters
15:00 Investing in Yourself
18:00 How IPOs Work
21:00 Why Most IPOs Aren’t Worth It
24:00 Wealth vs Upbringing Mindsets
27:00 Why People Lose Money Faster Than They Gain It
This episode is about shifting your mindset, betting on yourself, and understanding what really moves the needle financially.
18 Apr 2026
Episode 14: Unrealistic Expectations, Opportunity & The Most Expensive Money Mistake | Saving vs Investing, Discipline & Financial Truths
In this episode of Aftermath, Scott and Ross tackle some of the most misunderstood ideas in personal finance—and the brutally honest truths behind them.
What’s something financial advisors wish they could say to clients but usually don’t? Why do so many people have unrealistic expectations about returns, retirement, and wealth? And is being bad with money really about income… or something deeper?
Scott breaks down why opportunity plays a bigger role than most people realize, how investing in yourself can either accelerate your future or hold you back, and the dangerous habits that derail financial plans before they ever get off the ground.
Plus, the episode ends with one of the simplest—but most overlooked—truths in finance: the most expensive mistake people make without realizing it.
Chapters:
00:00 Intro
01:00 Unrealistic Expectations About Money
03:30 Why Advisors Sound “Boring” (But Right)
06:00 The Truth About Returns
09:00 Your Time Horizon Isn’t Retirement
12:00 Opportunity & Financial Growth
15:00 Investing in Yourself
18:00 The Cost of Not Saving
21:00 Why Discipline Beats Hype
24:00 The Most Expensive Money Mistake
4 Apr 2026
Episode 13: Money as a Mirror, Risk vs Reward & When “Long-Term Investing” Goes Too Far | Psychology, Opportunity & Financial Truths
In this episode of Aftermath, Scott and Ross explore the deeper psychology behind money—beyond just numbers and returns.
If money could think… what kind of person would it be? More importantly, what does money reveal about you?
This conversation dives into how wealth amplifies personality, why chasing the highest returns can actually backfire, and how understanding probability—not hype—is the key to long-term success.
They also break down one of the biggest misconceptions in finance: “just invest for the long term.” Is there ever a point where that advice becomes wrong?
From risk vs reward to defining what you actually want out of life, this episode challenges you to think differently about money, success, and what truly matters.
Chapters:
00:00 Intro
00:45 Does Money Change You or Reveal You?
03:00 Money as a Personality Amplifier
06:00 Risk vs Reward Explained
09:00 Why Chasing High Returns Fails
12:00 Probability vs Hype
15:00 The Truth About Long-Term Investing
18:00 When “Just Hold” Goes Wrong
21:00 Defining Your Own Financial Goals
24:00 Why Copying Others Doesn’t Work
16 Mar 2026
Episode 12: Is There Ever a Bad Time to Buy a Home? | 401k Secrets, Diversification & a Wild Client Story
Is there actually a bad time to buy a house—or are we just overthinking interest rates? In this episode of Aftermath, Scott and Rauce break down one of the biggest financial decisions people face: buying vs. renting.
They also dive into how diversification really works, what a TPA in your 401k actually does (hint: it’s not the toilet paper association), and why waiting for the “perfect” market timing can cost you years of building equity.
Plus, Scott shares one of the wildest real-life financial stories he’s ever experienced—an inheritance battle that spiraled into a multi-year legal fight where the lawyers ended up taking everything.
Topics in this episode include:
Is there ever a bad time to buy a home?
Why timing interest rates can backfire
How home equity can shape long-term wealth
The real purpose of diversification in a portfolio
What a Third-Party Administrator (TPA) does in a 401k
Why participation matters more than picking the “perfect” investment
One unbelievable story about family, money, and lawyers
If you’ve ever wondered how these financial decisions actually play out in real life, this episode is packed with insight—and a few surprises along the way.
18 Feb 2026
Episode 11: Money Lessons for Kids and How Earnings Change Over Time
What’s the most important money lesson parents can pass down to their kids? On this episode of Aftermath, Ross and Scott Brown discuss why removing shame and secrecy around money matters, how financial priorities change across different decades of life, and why many people misunderstand when their peak earning years actually happen.
They also explore financial regret, envy, and when saving too much can come at the cost of enjoying life — reinforcing that the best money strategy is the one that works for you.
Episode Chapters
• Talking to kids about money
• Removing shame and secrecy
• Learning from financial mistakes
• Appearance vs. reality of wealth
• Money habits by decade
• Peak earning years
• Social media and money pressure
• Learning from experience
• When saving too much becomes a problem
• Finding what works for you
4 Feb 2026
Episode 10: IRAs, 401(k)s, and the First Steps to Getting Financially Organized
What’s the biggest misconception about IRAs and 401(k)s? In this episode of Aftermath, Ross and Scott Brown explain how retirement accounts actually work, why the investment inside the account matters more than the account itself, and how Roth and non-Roth options differ.
They also walk through the first three steps to getting financially organized, explain what a healthy emergency fund looks like, and discuss why financial success is often more about behavior than knowledge.
Episode Chapters
• Why money feels taboo to talk about
• Common IRA & 401(k) misunderstandings
• Retirement accounts as “buckets”
• When a 401(k) makes sense
• First steps to organizing your finances
• Goals vs. process
• Emergency fund basics
• Where to keep emergency savings
• Managing FOMO and financial regret
• Why behavior matters most
21 Jan 2026
Episode 9: How to Know If You’re Actually Doing Okay Financially | Aftermath Ep. 9
How do you know if you’re doing okay financially — or just constantly feeling broke? On this episode of Aftermath, Ross and Scott Brown talk through the real-life money questions people struggle with every day.
They cover how to judge your financial health, how to recognize predatory financial products, and whether it makes more sense to save money or pay off debt first. The takeaway: money decisions work best when they’re personal, flexible, and rooted in self-awareness — not one-size-fits-all rules.
Episode Chapters
• Knowing when you’re financially “okay”
• Acting broke vs. feeling secure
• Why financial advice isn’t universal
• Legit vs. predatory financial products • Incentives and commissions explained
• Why asking questions matters
• Saving vs. paying off debt
• Earned money vs. inherited money
This one’s all about the finish line — and how to reach it without running out of gas (or cash). Scott and Rauce get real about retirement: how much is enough, when to start, and how to stop letting anxiety dictate your money moves.
They debunk the biggest market myths, explain why moderation beats miracles, and remind you that wealth isn’t about luck — it’s about process. Whether you’re 25 or 55, this episode will change how you think about “the end game” and maybe even make saving sound… kind of fun.
24 Dec 2025
Episode 7: Risk, Return & The Real Price of Playing It Safe
How do you really measure risk — and why do some people keep betting on the wrong kind? In this episode, Rauce and Scott unpack the fine line between being cautious and being stuck.
From over-saving to under-investing, Scott explains why “safe” can secretly be the riskiest move of all. They also break down why markets move, how fear can cost you, and when doing nothing might actually be the smartest financial play. Equal parts therapy and finance talk — this one’s for anyone who's ever second-guessed a big decision.
10 Dec 2025
Episode 6: Compounding, ESOPs & The First Million
Rich people swear by it. Poor people don’t have it. Scott calls it the eighth wonder of the world: compound interest.
Rauce learns how money makes money — and why patience pays like nothing else. Then, the two dive into the world of ESOPs (Employee Stock Ownership Plans), the dangers of putting all your eggs in one stock-shaped basket, and one unforgettable story about a guy who turned $1 million into $70,000 overnight. Lessons, laughs, and a few hard truths — all in one money-smart hour.
26 Nov 2025
Episode 5: Shortcuts, Mutual Funds & The Truth About Financial Advisors
Are you chasing every “sure thing” that comes your way? Scott breaks down why the smartest investors play the long game — and why shortcuts are the dumbest smart idea people swear by.
Rauce also puts his pride aside and asks the big one: “What’s a mutual fund?” From ETFs to financial planners, this episode turns Wall Street jargon into real-world clarity. If you’ve ever faked your way through a money convo at a party… this one’s for you.
12 Nov 2025
Episode 4: Debt, Down Payments, and the Company You Keep
Ever wonder why Elon Musk can be billions in debt and still win — while you’re losing sleep over your credit card balance?
In this episode, Rauce and Scott dig into how wealthy people use debt as leverage, what a smart down payment really looks like, and why the friends you surround yourself with might be shaping your financial destiny more than you think.
From crabs in a bucket to College Park cottages — this one’s packed with stories, strategy, and straight talk about money, mindset, and stability.
9 Oct 2025
Episode 3: Make Your Credit Card Company Hate You
If your credit card company loves you — you’re doing it wrong.
In this episode, Scott Brown and Rauce Padgett tackle the slippery slope of credit cards, debt, and interest — and how to flip the game in your favor. They unpack why most people struggle to care about “future you,” how lifestyle creep eats away at progress, and what it really means to build wealth without losing sleep.
Funny, honest, and packed with practical takeaways, this one’s all about learning how to beat the system — by being smart, patient, and just a little stubborn.
Key topics:
How to make your credit card company hate you (and love your discipline)
The psychological trap of “current you” vs. “future you”
Debt, interest, and why compounding works both ways
How lifestyle creep quietly destroys your long-term goals
You want your credit card company to hate your guts — that should be your goal.” — Scott Brown
Connect with Aftermath
Website:www.aftermathpod.com (aftermathpod,com)
Instagram: @aftermaththepodcast (https://www.instagram.com/aftermaththepodcast?igsh=cG44bGR2YmlsYmtz&utm_source=qr)
You Tube: @AftermathThePodcast (https://www.youtube.com/@AftermathThePodcast)
Facebook: @Aftermath The Podcast (https://www.facebook.com/profile.php?id=61581799600732)
9 Oct 2025
Episode 2: The Four Horsemen of Saving — 401(k), IRA, Roth, and Time
Saving for the future doesn’t have to feel mysterious — or boring.
In this episode, Scott Brown and Rauce Padgett break down the difference between 401(k)s, IRAs, and Roth accounts (yes, there’s even a Roth 401(k)). They uncover how seven out of ten millionaires built wealth through patience, process, and consistency — not luck or crypto hype.
It’s real talk about building wealth the unsexy way: one contribution, one paycheck, one good habit at a time.
Key topics:
The “Four Horsemen” of saving — and which one’s right for you
Why time and discipline beat any stock tip
How to make your 401(k) hate you (in a good way)
The truth about company matches and “free money”
Favorite quote:
“There’s no boring way to become a millionaire — just the right way.” — Scott Brown
Connect with Aftermath
Website: www.aftermathpod.com (aftermathpod,com)
Instagram: @aftermaththepodcast (https://www.instagram.com/aftermaththepodcast?igsh=cG44bGR2YmlsYmtz&utm_source=qr)
You Tube: @AftermathThePodcast (https://www.youtube.com/@AftermathThePodcast)
Facebook: @Aftermath The Podcast (https://www.facebook.com/profile.php?id=61581799600732)
9 Oct 2025
Episode 1 - “The Secret to Wealth Isn’t Math — It’s Discipline”
Everyone wants to know the secret to wealth — but what if it’s not about numbers at all?
In this premiere episode of Aftermath, financial advisor Scott Brown and comedian Rauce Padgett unpack the truth about what really builds financial freedom: discipline and process. From emergency funds to emotional spending, from crypto FOMO to the dopamine of “prediction markets,” the guys dive into the mindset shifts that separate the financially secure from the financially stuck.
Rauce opens up about growing up paycheck-to-paycheck, becoming a dad, and trying to make sense of money in real life — while Scott breaks down why most people confuse goals with process, and how small decisions today can shape an entirely different future.
Funny, honest, and unexpectedly motivating — this is the start of learning how to take care of future you.
Key topics:
Why discipline means nothing without process
Saving before investing — and why “quick wins” don’t exist
How fear, emotion, and dopamine drive bad money habits
What 2008 taught us (and why most people still don’t get it)
The difference between gambling, investing, and pretending to “predict”
Favorite quote:
“Learning is changing your behavior. Knowing something is useless if you don’t change what you do.” — Scott Brown
Connect with Aftermath
Website: www.aftermathpod.com (aftermathpod,com)
Instagram: @aftermaththepodcast (https://www.instagram.com/aftermaththepodcast?igsh=cG44bGR2YmlsYmtz&utm_source=qr)
You Tube: @AftermathThePodcast (https://www.youtube.com/@AftermathThePodcast)
Facebook: @Aftermath The Podcast (https://www.facebook.com/profile.php?id=61581799600732)
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