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Best Personal Loan Companies in 2025 (Ranked by Real People, Not Robots)

Best Personal Loan Companies in 2025 (Ranked by Real People, Not Robots)

Posted on May 5, 2025May 5, 2025 by Modern Money Talk

Let’s be real—when you’re looking for a personal loan, the last thing you want is a robot-generated list that doesn’t tell you what it’s actually like to borrow money from these companies. So we did the digging. We checked Reddit threads, Trustpilot reviews, customer service horror stories, and real borrower feedback to find the best…

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10 Unspoken Money Truths Millennials and Gen Z Need to Hear in 2025

10 Unspoken Money Truths Millennials and Gen Z Need to Hear in 2025

Posted on May 5, 2025May 5, 2025 by Modern Money Talk

Let’s get one thing straight—most of what we were taught about money was either outdated, sugarcoated, or flat-out wrong. And in 2025, it’s even harder to tell what’s real financial advice vs. what’s just another trending reel. This post isn’t here to make you feel bad about your bank balance. It’s here to tell you…

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How to Use a Kentucky Mortgage Calculator the Right Way (Don’t Skip Step #3)

How to Use a Kentucky Mortgage Calculator the Right Way (Don’t Skip Step #3)

Posted on May 5, 2025May 5, 2025 by Modern Money Talk

You’re planning to buy a home in Kentucky, or at least dreaming about it—but when it comes to figuring out what you can actually afford? You’re not alone if your brain goes:“Down payment? Interest? Taxes? Wait, what even is PMI?” That’s where a Kentucky mortgage calculator becomes your best friend.But here’s the catch: most people…

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I Saved $10,000 in One Year on a $50K Salary (Yes, It’s Possible)

I Saved $10,000 in One Year on a $50K Salary (Yes, It’s Possible)

Posted on May 5, 2025May 5, 2025 by Modern Money Talk

Let’s get one thing out of the way:I didn’t win the lottery, get a six-figure bonus, or eat plain rice for 365 days. I had a $50,000 salary and somehow still managed to save $10,000 in one year—while paying rent, buying groceries, and yes, living like a human being. This isn’t a flex. It’s a…

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The Smartest Tax Deductions Most Americans Miss (But Rich People Don’t)

The Smartest Tax Deductions Most Americans Miss (But Rich People Don’t)

Posted on May 5, 2025May 5, 2025 by Modern Money Talk

Here’s something no one tells you when tax season hits:Rich people don’t play by the same tax rules.They use the exact same tax code as you, but they just know how to work it better. It’s not illegal. It’s not shady.It’s about knowing the deductions and loopholes that most people overlook, because no one teaches…

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I Made $500Week in Passive Income (Even When I Was Broke)

I Made $500/Week in Passive Income (Even When I Was Broke)

Posted on May 5, 2025May 5, 2025 by Modern Money Talk

Yes, I was broke. Like, sharing-a-Netflix-account-and-eating-noodle-cups broke.But I still managed to pull in $500 every single week, without clocking into a job or chasing clients. How? Passive income.But not the Instagram-influencer, crypto-millionaire, need-$10K-to-start kind.I’m talking real, accessible ways to build passive income when you don’t have much money to begin with. If you’re trying to…

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I Fixed My Credit Score in 90 Days (It’s a Step-by-Step Plan That Actually Works)

I Fixed My Credit Score in 90 Days (It’s a Step-by-Step Plan That Actually Works)

Posted on May 4, 2025May 4, 2025 by Modern Money Talk

The idea of “fixing” your credit score sounds like one of those Pinterest pipe dreams, right? I used to think so too… until I actually did it. In just 90 days, I boosted my credit score by 112 points, and no, I didn’t hire a shady “credit repair company” or sell a kidney. I followed…

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