MoneyNing.com primarily monetizes through advertising. This began when advertisers started contacting David Ning for ad placements on his personal finance blog. The site's traffic of 200,000 users per month makes it an attractive platform for advertisers looking to reach an audience interested in money management and personal finance tips. David recalls his first significant ad deal of $1,000, signifying a potential for steady and substantial income through ad placements. Advertisers are interested because MoneyNing.com provides high-quality, authoritative content that attracts a loyal readership seeking advice and information on managing their finances.

In addition to advertising, MoneyNing.com generates revenue through affiliate marketing. By discussing various financial products and services such as savings accounts, the website earns commissions when readers take actions like signing up for these products through links provided on the site. This operates similarly to a referral bonus structure, allowing the site to earn money by promoting services that align with its content and audience interests. This model is particularly effective in personal finance, where readers are actively seeking trustworthy recommendations and advice on financial products.