Royal’s security expert Jody makes a repeat guest appearance to take on the topic of phishing! Phishing, the practice of sending scam messages that pretend to be from a reputable company in order to trick people into revealing their personal information, continues to be popular with hackers. In this episode, you’ll hear an expert’s take on the latest phishing trends and learn tips to avoid becoming a phishing victim.

We’re getting the word out about avoiding fraud and scams! Cooper, Steve, and James share some tips for recognizing scam attempts in this bite-sized donut hole. Remember to be on the lookout for unexpected, urgent, and unusual emails, phone calls, or text messages! You can find more security tips at rcu.org/Security.

If you hear the acronym HELOC (hee-lock!) and want to run the other way, this one’s for you! We bite into a hearty helping of home equity line of credit awesomeness to explain what a HELOC is and why you might want one. Plus, hear a “plant rant” from the one and only Cooper as the cherry on top! You can learn more at www.rcu.org.

Knowing how you feel about money can help affirm your choices or set the stage for change. Steve, Cooper, and James meet with registered yoga teacher Diana to discuss how our relationships with our finances can have a wider impact than you might expect.

Learn more at rcu.org/podcast

If you’re receiving a tax refund, the "Royal Sprinkles" have some quick tips on the best ways to use the money in this week's Donut Hole. We also share a key fact about why your goal should be to receive a smaller tax refund!

If your financial checkup reveals the opportunity to knock down debt, what are your options? Guest Heather Prueher is back with some easy ways to keep your payments affordable. Oh, and we also discuss financial spirit animals….

When was the last time you thought about your financial health? Guest Heather Prueher shares her financial checkup tips as Steve and Cooper learn why starting a money checkup with your credit report makes sense.

Streaming services and other monthly subscriptions are convenient, but how many is too many? Could you save some cash each month by using other options? The Money Donuts team shares personal experiences and food for thought!

It’s time to take a look at budgets from a Money Donuts perspective – and that means thinking about flexible, personal budgets that work for YOU. Learn how the right budgeting mindset can help you take control, eliminate stress, and reach your financial goals, then get some great starting tips from the Money Donuts team!

In this Donut Hole, James gives everyone a quick lowdown on what they should know about IRS stimulus checks. You'll also learn how to get answers to your stimulus check questions, and hear reminders on how to avoid stimulus check scams!