Make Money
50 free articles on Make Money from The Cito Thriven Journal — practical, sourced, and written to be used. No paywall, no signup.
Bull vs Bear Market: What Changes (And What Shouldn't)
Bull and bear markets get dramatic headlines that push you toward exactly the wrong move. Here's what each actually means, why both...
Multiple Income Streams: How to Build Them (Honestly)
One paycheck is more fragile than it feels. Multiple income streams are about resilience, not getting rich — here's how to build...
Inflation and Your Money: Why Doing Nothing Isn't Safe
Inflation is a tax that never shows up on a bill — it just makes your money buy less each year. Here's...
Crypto Investing: A Risk-First Primer
Crypto is neither the future of money nor a pure scam — it's a new, extremely volatile asset class most people mishandle....
How Credit Scores Actually Work (And the Myths That Hurt Yours)
A three-digit number decides your interest rates and approvals, yet most people don't know what moves it. Here's what really drives a...
Passive Income: What's Real and What's Just Hype
"Make money while you sleep" is technically true and almost always misleading. Here's what genuinely counts as passive income, why it's front-loaded...
Dividend Investing, Explained (And the Yield Trap to Avoid)
Getting paid cash just for holding shares sounds simple — until the highest yields turn out to be the biggest warnings. Here's...
401(k) Basics: Match, Vesting, and Rollovers
The 401(k) is the most powerful wealth tool most people own and understand least. Here's how the match, vesting, and rollovers work...
How Options Work: Calls and Puts, Explained
Options are either a precise risk tool or an expensive lottery ticket, depending entirely on how they're used. Here's what a call...
Roth vs Traditional IRA: Which One Should You Choose?
The Roth and Traditional IRA differ on one thing: when you pay the tax. Here's the simple rule of thumb that tells...
High-Yield Savings Accounts: How They Actually Work
A high-yield savings account can pay many times what a normal savings account does, for the same cash and the same safety....
Debt Payoff Strategies: Snowball vs Avalanche
Same debt, same income, very different timelines — usually decided by payment order. The two methods, and which suits you.