Make Money
50 free articles on Make Money from The Cito Thriven Journal — practical, sourced, and written to be used. No paywall, no signup.
Wills and Estate Planning Basics (Not Just for the Wealthy)
Estate planning gets skipped because it means contemplating your own death. The cost isn't paid by you — it's paid by whoever...
How to Price Freelance Work (Without Undercharging Yourself)
Most freelancers take their old salary, divide by 2,080 hours, and call it a rate. It's the fastest route to working constantly...
Market Cap Explained: Large, Mid, and Small Cap Stocks
Fund names are full of 'large cap' and 'small cap' and most buyers couldn't define them. Here's what market capitalization means, how...
Margin and Short Selling: Why Both Can Cost More Than You Invest
Two features sit quietly in most brokerage accounts: borrowing to invest, and betting things will fall. Both share one trait that separates...
Gold and Commodities: What They Can (And Can't) Do for You
Gold is sold as the ultimate safe haven and dismissed as a useless rock, usually by people with something to gain either...
Insurance Explained: What You Actually Need (And What's Oversold)
Insurance is the boring thing that stops one bad event erasing a decade of saving — and it's also heavily oversold. Here's...
Student Loans: Pay Them Off Early, or Invest Instead?
Standard debt advice says attack the biggest balance first — and for student loans that's often wrong. Here's why they behave differently,...
Investment Taxes and Capital Gains, Explained
Investment returns get quoted as if you keep all of them — you don't. Here's how capital gains and investment income are...
REITs Explained: Property Exposure Without Being a Landlord
Property is the asset class most people want and fewest can access. REITs offer exposure you can buy in small amounts without...
Mortgages Explained: The Four Numbers That Decide What You Pay
A mortgage is the biggest financial commitment most people make, and it's usually signed by someone who only understands the monthly payment....
How to Negotiate Your Salary (The Highest-Leverage Money Move)
There's a limit to how much you can cut, and no limit to how much you can earn. One successful salary negotiation...
Sequence-of-Returns Risk: Why the Order of Your Returns Can Break Retirement
Two retirees earn the identical average return, and one runs out of money while the other dies wealthy. The difference is the...