The Cito Thriven Journal
Free, practical reads on money, training, and follow-through — with the guides to go deeper.
How to Bench Press With Good Form (Without Hurting Your Shoulders)
The bench is the lift everyone asks about and plenty of people wreck their shoulders on — usually through flared elbows and...
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,...
Gratitude Practice: What Actually Works (And What Backfires)
Gratitude has been sold so hard that many people dismiss it as toxic positivity in a nice notebook. The practice does something...
Social Anxiety: Why Avoidance Keeps It Alive
Social anxiety isn't just shyness — it's a persistent fear of judgment that reshapes the decisions you make and the invitations you...
Carbohydrates Explained (And Why They're Not the Enemy)
No nutrient has been villainized harder than carbs — usually by whoever's selling the diet that removes them. Here's what carbs actually...
Push Pull Legs: How the Split Works and Who It's For
PPL is the internet's favourite training split — logical, scalable, and frequently recommended to people it doesn't suit. Here's how it works,...
How to Deadlift With Good Form (Without Wrecking Your Back)
The deadlift's reputation for wrecking backs is mostly undeserved — what hurts people is a rounded spine and too much weight. Here's...
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...