Aftermath The Podcast with Scott Brown

Aftermath The Podcast
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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.

  1. May 31

    Episode 17: Why Fast Money Ruins People

    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. Follow us: YouTube: https://www.youtube.com/@edgewaterfamilywealth3709Instagram: https://www.instagram.com/edgewaterfamilywealth/

    29 min

  2. May 16

    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.

    31 min

  3. May 2

    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 Intro01:00 The Hardest Money Habit to Change03:30 Why Thinking Small Keeps You Stuck06:00 Small Savings vs Big Decisions09:00 Taking Financial Risks & Career Moves12:00 Overpaying for What Actually Matters15:00 Investing in Yourself18:00 How IPOs Work21:00 Why Most IPOs Aren’t Worth It24:00 Wealth vs Upbringing Mindsets27:00 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.

    33 min

  4. Apr 18

    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 Intro01:00 Unrealistic Expectations About Money03:30 Why Advisors Sound “Boring” (But Right)06:00 The Truth About Returns09:00 Your Time Horizon Isn’t Retirement12:00 Opportunity & Financial Growth15:00 Investing in Yourself18:00 The Cost of Not Saving21:00 Why Discipline Beats Hype24:00 The Most Expensive Money Mistake

    40 min

  5. Apr 4

    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 Intro00:45 Does Money Change You or Reveal You?03:00 Money as a Personality Amplifier06:00 Risk vs Reward Explained09:00 Why Chasing High Returns Fails12:00 Probability vs Hype15:00 The Truth About Long-Term Investing18:00 When “Just Hold” Goes Wrong21:00 Defining Your Own Financial Goals24:00 Why Copying Others Doesn’t Work

    40 min

  6. Mar 16

    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.

    34 min

  7. Feb 18

    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

    33 min

  8. Feb 4

    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

    31 min
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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.

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