To answer REDWAGON, I wish I could avoid using it, but I haven't found a way to be able to monitor the record without it. If I use just "what u hear", what I hear is nothing.
To answer CDANTEEK, I've attached 3 jpegs..it seems to come with the latest drivers for the X-fi with phono preamp.
If you look at the top jpeg, on the far right is the Mic/Line/Phono In. By default it is disabled. If I don't go in and open the EC and enable that setting, I will hear nothing through my headphones. When enabled it can be good, or it can behave pretty strangely....like muting only PART of a channel....I have to toggle back and forth with enable/disable, and after that tango it will clear up.
The other jpeg shows the EC choices....you have to click on the mixer to get to the top jpeg. The other is just the Windows 10 menu options for Creative.
Please, if there is a way to monitor the recording without going through this, let me know. Thing is, it comes with the driver package, and seems to be the only way to control the external card, or at least to monitor it.