Best way to make money early, is go back to town often to sell. Make sure the vendor has enough caps to cover the sell first. If you pick up things at 15 percent or so, repair them to consolidate weight. Do not repair two items at 35 percent, if your skill is only 40 to save weight and time. You lose out on extra caps. It saves a trip back to town, but cost you caps overall. I had a hard time making caps, until I decided to go back to town often. Selling ammo on weapons like .32, you do not use, is a good money maker to. Reiley's Ranger is a huge cash cow, if you have been to Underworld.