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You asked about the difference between financial education and financial advice. This Money Donuts Donut Hole explains how education builds confidence and understanding, while advice helps guide specific decisions.

Saving money can feel overwhelming, especially when budgets are tight. In this episode of Royal Credit Union's Money Donuts Podcast, we sit down with Cassandra, a Member Account Representative, to discuss practical savings strategies that work for real life. Whether you're just starting your savings journey or looking for new ways to make your money work harder, this conversation offers practical advice and encouragement to help you reach your financial goals. Subscribe to Money Donuts for more financial wellness tips, money management strategies, and insights from Royal Credit Union experts. Fun Financial Podcast | Money Donuts® | Royal Credit Union

In this quick Money DonutsDonut Hole, Cooper and Steve discuss how financial education tools can helppeople build confidence with their finances without being told what decisionsto make. Learn how tools like Enrich, Debbie, and Silvur canprovide guidance on topics such as budgeting, debt repayment, and retirementplanning. These self-service resources allow you to explore financialinformation at your own pace, gain foundational knowledge, and feel moreprepared when speaking with a financial professional.

In this episode of MoneyDonuts, Steve sits down with John, Jen, and Melanie to explore the story behindthe RCU Foundation and the incredible impact it's having across the communitiesRoyal serves. Learn how the RCU Foundation was established, how it fundstransformative community projects, and why its mission extends beyondtraditional charitable giving. From supporting libraries and community centersto funding major arts, education, and health initiatives, you'll hear firsthandstories of the people and projects making a difference. learn more at Find Out More About The RCU Foundation | Royal Credit Union

Have you ever looked at your account balance and thought:"I know I had money yesterday..."Welcome to the club.This week's Donut Hole tackles one of life's greatest mysteries: Where does all the money go?Join Cooper, Steve, and Alexis as they discuss:- Budgeting apps- Online banking tools- Subscription detectives- The suspicious number of coffee purchases showing up every month- Ways to track spending without making budgeting miserableBecause sometimes financial awareness starts with realizing you're paying for a streaming service you haven't opened since 2024.Tell us: What's the weirdest subscription you've forgotten to cancel?RCU Money Management: https://www.rcu.org/education-resources/financial-education/articles/about-money-management-in-online-mobile-bankingNerdWallet: https://www.nerdwallet.com/finance/learn/best-budget-appsFudget: https://www.fudget.com/Rocket Money: https://www.rocketmoney.com/Enrich Budget Calculator: https://rcu.enrich.org/budgetYNAB (You Need A Budget): https://www.ynab.com/

Most people think budgeting is all about control.Others believe it's simply about awareness.In this Donut Hole, Cooper explains why you can't really have one without the other. From understanding where your money is going to setting up systems that help you save and pay bills automatically, budgeting works best when awareness and control go hand in hand.If you've ever struggled to save money, overspent because cash was sitting in your account, or felt overwhelmed by financial goals, this episode is for you.- Learn practical budgeting strategies- Build better money habits- Stay focused on your financial goals

Income doesn't cover all your bills. What do you pay first?That's the question we're answering in this Donut Hole.When money is tight, it's important to focus on the essentials and understand which expenses have the greatest impact on your daily life. We discuss how to prioritize housing, transportation, and basic necessities, along with practical steps you can take to work with creditors and lenders before missing payments.You'll also hear why many financial institutions are more willing to help than people realize, especially when you reach out early.Watch now for guidance on navigating financial challenges with confidence and a plan.

If you're struggling to save, feeling stretched thin, or wondering where your paycheck goes each month, this episode is for you.We break down:- The 50/30/20 budget- Zero-based budgeting- The difference between needs and wants- How small spending habits can impact your financial goalsBudgeting starts with awareness—and you might be surprised by what you find.

In this episode of Money Donuts, the hosts sit down with Haley, a college student and Royal intern, for a candid conversation about the financial challenges and opportunities facing Gen Z. From budgeting, spending habits, and savings goals to student loans, scholarships, emergency funds, and interest rates, the discussion explores the real-life money decisions young adults face every day. The team also dives into social media's influence on financial expectations, common money misconceptions, and the importance of asking questions and seeking reliable financial guidance. Whether you're a student, recent graduate, or young professional, you'll walk away with practical tips and actionable strategies to help you build financial confidence.

Unexpected expenses happen. Whatmatters is what you do next. Here's how you rebuild your emergency fund step-by-step, smart ways to adjust your budget after a setback, and why even small savings habits still matter. Progress doesn’t stop just because life happens.

Does it feel like there’s always something going wrong financially? You’re not alone. In this Donut Hole,we talk about how much emergency savings is actually enough, especially when life feels unpredictable. Plus, we offer realistic advice on how to start building a buffer, even if money is tight.

What actually counts as an emergency fund, and how is it different from your regular savings? From surprise car repairs to concert tickets, we’re breaking down where your money should go (and how to start saving without stress).

You had questions, and we’ve got answers (or at least Cooper does 😄). This time, we’re talking about why saving money can feel impossible, even if you’re usually pretty disciplined. From gas prices to daily temptations, we dive into the real-life reasons saving is tough and share simple ways to make it easier.

Scammers are getting smarter,and the tactics they use continue to change. In this episode, the Money Donutsteam is joined by fraud analyst Misty to review common scams and consider howemotions and urgency are used to try and trick people. We also look at how AIis enabling new types of fraud, share red flags that are often missed, andcover scam prevention techniques to help protect you and your money.

In this episode of Money Donuts, the hosts explore the growing anxiety around managing money in an increasingly digital world. From online payments to app-based banking, it can sometimes feel uncertain—did that transaction go through, and is your money really safe? The team shares relatable experiences, breaks down common concerns, and offers practical tips to help you feel more confident navigating your finances in today’s digital landscape. If you’ve ever second-guessed a payment or felt uneasy about managing money online, this episode is for you.