Reddit Gold probably makes them more than either of the above, but I'm just pontificating here. I think you're misusing the verb to pontificate. Maybe you want

Reddit Gold probably makes them more than either of the above, but I'm just pontificating here. I think you're misusing the verb to pontificate. Maybe you wanted to say guessing instead? SO can probably monetize pretty well with ads - their demographic is much more targetted. Here you're mildly pontificating when you're telling SO what they should do to monetize their service.