Money Donuts®

Hosted by Royal Credit Union

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Aug 2026

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About the show

Featuring sweet financial advice wrapped in raised, glazed goodness, Royal Credit Union’s Money Donuts® podcast is here to make you smile and get you thinking about your finances in new ways. This fun podcast features snack-size episodes on all things money, from saving and spending to earning and lending. While there’s plenty of silliness, episodes are also filled with nutritious financial tips! Listen to the Money Donuts® podcast from Royal Credit Union today!

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60 recent

September 1, 2026Episode 6736 min

Making A Difference With The RCU Foundation

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

August 24, 20266 min

How To Maximize Tools To Manage Your Money

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/

August 17, 20262 min

Control Vs. Awareness: What Matters For Budgeting

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

August 10, 20264 min

How To Prioritize When Income Doesn't Cover Everything

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.

August 3, 20263 min

How To Budget When You Only Have A Little Left

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.

July 27, 2026Episode 6641 min

Money Talk For Young Adults

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.

July 20, 20266 min

Broke Your Emergency Fund? Here’s How You Bounce Back

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.

July 13, 20263 min

Start Small: Emergency Savings Tips for Real Life

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.

July 6, 20263 min

How Should You Be Saving For Emergencies?

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).

June 29, 20265 min

Why Even Start, Disciplined People Struggle to Save

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.