Lets try a hypothetical scenario
You have 2 guitars
A drum kit
A Bass
and a bagpipe
tracks
I usually create a buss called "Guitars" over on the almost far right. I then route my guitar tracks to the guitar buss. Ditto for drums to drum buss...
I create another buss called Master buss I route Guitar Buss to Master, Drums to Master...(this may seem unnecessary but if you want to glue the mix together using a buss compressor, then you need a comparable arrangement).
If your sound card has say 4 outputs and it is named Larry, then I would send the Master buss output to Larry 1-2.
None of the instruments or the busses are sent to Larry 1-2 except Master Buss.
What you hear when you monitor Larry 1-2 should be the same as when you mix down.
Do you have a setup like that?