I've reached the point where the game is balanced for characters equipped with basic gear, but I'm nowhere near fully equipped. Ordinarily, I would go back and farm money to afford it, however this blog is supposed to illustrate monetary concerns without farming... which leaves me at somewhat of an impasse.
To continue forward, I've decided to give myself an interest free loan of 70k from storage that can be used to get the basic equipment together. As I progress I will pay loan back when there is free gold in the bank (I hope!).
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