I think I fucked up really bad and there wasn't any to spare for a huge part of the game. I only started having money to spare when I built the bar
Another thing I fucked up is not improving exhibitionism
Edit: Finished the game being 3000 dollars in debt. Though, money doesn't restrict you from doing story-type stuff, it only restricts you from the shop (which can restrict you from the plot)
I had a two week in-game grind in order to buy one of the elves because I already spent all my money on clothes, thought the game was almost finished. That was the only time money stopped me. I was behind on so many optional things as well, I was too focused on the plot. Next time I play I'll focus on one girl at the time, instead of plot