So, I did a run with the new version 0.5.4.
Decided to make it more difficult for me, like not using druid on my MC (Mag 1 not enough) and be more of a fighter. In this run apart from MC and the free slave all other slaves will be Average F3 in Growth to show you it's possible, you'll still see that the slaves level up fast.
Here is the report Day by day, I can give the saves too (some days missing because forgot to save).
https://drive.google.com/drive/folders/1rq1PVomg9HQ6hUbrDgPHVqz1blFsgIAC?usp=sha...
The report is very long so the conclusion for those who doesn't want to read : It's possible easy.
Did not get lucky in the shop for armor, first week was more difficult with only 1 healer.
New default game 0.5.4
MC Tribal Elf Phy 5 Wit 3 Cha 1 Sex 5 Mag 1
Starting class Archer
Sex Trait Life Power
Day 1 :
Visit the 4 guilds, siding with the Servants
Halfkin Wolf Eleana Growth 5 Phy 5 Wit 3 Cha 1 Sex 5 Mag 1 Tam 2
Starting class Thief
Sex Trait Life Power
Sold Bread and vegetables = 100 gold
slave shop roll was meh, bought a human Vikki 450 gold Growth 3 Phy 2 Wit 3 Cha 2 Sex 3 Mag 1 Tam 4 Harlot and Rogue class
Sold Fish = 75 gold
bought Animal gloves > 100 gold
bought Stone dagger > 104 gold
Notive Board
Workers Iron Pickaxe > skip
Servants Work away > skip
Fighters Dungeon clear > Accept
Mages Wolf threat > Accept
Trained in charm an sexed Vikki
Eleana goes fishing
Vikki Harlot
D2
Sold fish
Bought Daisy > 200 gold
Trained in charm Vikki
Sexed Eleana
Bought 1 shard life
Wolf threat cleared
D3
Trained Phy and sexed Eleana
Sexed Vikki
Vikki leveled up > Maid
Eleana leveled up > Fighter
Bought wooden club > 160 gold
D4
Study with Daisy
Sexed Daisy
sold meat > 33 gold
clear goblin cave
Eleana leveled up > Rogue
Sold loot > 266 gold
Bought slave for prostitution > 371 gold Growth 2 Phy 2 Wit 1 Cha 4 Sex 5 Mag 1 Tam 5 growth here is less important, need gold
bought 10 wood, upgraded MC Mag
used exp scroll on MC > Scholar
Daisy leveld up > Apprentice
D5
sold stone (loot from goblin cave)> 175 gold
used scroll on Oma > Harlot
Studied with Daisy
bought a bone club > 130 gold
Sexed Eleana
goes to a bandit den, wasn't able to finish in one go, have to go back to mansion
D6
sexed Vikki > leveled up > Geisha
stufied with Daisy, leveled up > Alchemist
Bought Animal gloves > 100 gold
bought 25 wood
D7
Eleana leveled up > Archer
cleared the bandit den, executed the boss since no room
bought bone medium armor and cloth robe > 367 gold
practiced charm with Oma
Notive Board
Workers Bone Pickaxe
Servants Timid average > Accept
Fighters None? maybe because didn't finished the previous yet
Mages 9 woods > Accept
Mansion upgrade Rooms
D8
Pacticed charm with Oma
Sexed Eleana
Oma leveled up > Bard
If Vikki and Oma works full time > 240 gold/ day, not the case yet for Vikki since she's needed as a warrior
upgrade finished, can accept servant quest
For testing purpose bought a slave (Ona) for prostitution with low growth 374 gold Growth 2 Phy 3 Wit 3 Cha 3 Sex 3 Mag 1 Tam 4
D9
practiced charm with Ona
Sexed Eleana
go for fighter quest
Eleana leveled up > Ranger
Daisy leveled up > Worker
fitghter quest clear > Daisy, Eleana and Vikki Down
Got Human Growth 3 Phy 2 Wit 2 Cha 4 Sex 4 Mag 2 Tam 5 > keep as hooker
D10
Practiced Charm with Trisha
For testing purpose bought 2 slaves (Larhonda(human) and Grephine(elf) ) for combat, Growth 3 Phy 4 Wit 3 Cha 1 Sex 3 Mag 2 Tam 3
Growth 2 Phy 2 Wit 3 Cha 1 Sex 1 Mag 3 Tam 3 > very bad character here
new cambattants and replace Vikki
D11
Mansion upgrade master bed
Study with Grephine
bought an iron staff > 400 gold
Sold loot > 189 gold
bought 1 aphrodisiac > 100 gold
bought grove dungeon > 100 gold
D12
Going to dungeon
Larhonda leveled up > Archer
Grephine leveled up > Scholar
Larhonda leveled up > Fighter
last level against a Troll, Larhonda Down
As of D12 my hookers earns me 123+96+53+33 = 305 gold/day so by day 28 4500+ gold without practicing more charm
Got Daisy quest
D13
Trisha leveled up > Harlot
Grephine leveled up > Druid
Sexed Larhonda
sold loot > 460 gold
bought Animal gloves and animal ears > 220
D14
Sexed Eleana and Larhonda
Trained Larhonda
Eleana leveled up > Worker
Larhonda leveled up > Rogue
Notive Board
Workers wood > Accept
Servants work 2 days > Accept just for rep
Fighters goblin threat > Accept
Mages threat wolves > Accept
bought 1 aphrodisiac
bought 1 animal ears
Servant dress for Daisy > 150 gold
Ona leveled up > Bard
cleared fighters and mage quests
D15
Studied with Grephine
Sexed Larhonda and Grephine
bought a bandit den
Daisy leveled up > Bard
Grephine leveled up > Archer for the hit chance
upgraded Phy fac for Daisy F1 > F2
Larhonda leveled up > Thief
Made the soup for the church
D16
Hookers earnings 440/day
practiced charm with Trisha
Trisha leveled up > Bard
Sexed Eleana and Larhonda
bought lacy underwear and animal ears > 270 gold
bought medium leather lower armor > 496
Guild REP : Fighter 316 Workers 130 Servants 336 Mages 407
going to the trove dungeon
Oma leveled up > natural pet
Grephine leveled up > Shaman
D17
studied with Grephine
Sexed Eleana and Grephine
Eleana leveled up > Hunter
D18
Trained Larhonda
Larhonda leveled up > Ranger
sexed Larhonda and Grephine
bought 3 aphrodisiacs, 2 whiskey > 360
bought 1 cloth pant > 260
D19
practiced charm with Ona
sexed Larhonda and Grephine
bought bandit fort
retreated before the end
D20
trained Grephine
got quest to train Daisy
Ona leveled up > Geisha
D21
Pactriced charm with Oma
Sexed Grephine and Larhonda
mansion upgrade master bedroom
Notive Board
Workers goblin threat > Accept
Servants work 3 days > Accept just for rep
Fighters wolves threat > Accept
Mages whisky > Accept
D22
Practiced charm with Ona
Sexed Eleana, Larhonda, Grephine
Bought Caster class
Grephine leveled up > Caster
D23
studied with Grephine
Eleana leveled up > Templar
Larhondar leveled up > Hunter
D24
Oma leveled up > Geisha
Trisha leveled up > Pet
Waiting for Daisy...
Guild REP : Fighter 462 Workers 320 Servants 476 Mages 523
at 8 AM 3182 gold
With new version need 3, have already 2 (Servants and Mages)
D25
Not doing much but could do dungeons even without Daisy
Train Phy Larhonda
Sex with combat team
D26
Train Phy Larhonda
same as previous day...
D27
Ona leveled up > Succubus
same as previous day
Daisy returned
Day28
At 00AM 5344 gold
Notive Board
Workers 42 breads > Accept
Fighters Dungeon > Accept
bought breads in shop
cleared dungeon at 03AM
Paid 3000 gold at 08AM still have 2705 gold + materials
Lich location at 08AM
Lich killed
Support 3/3 Loan suspended
This version made some changes but the loan is not a big problem, I was able to buy weapons and equipments no problem, you only need 2 guilds support which make it easier even.
I really don't see why you struggle so much, I even had the luxury of having some characters down in dungeons, it didn't spiraled me into defeat.
If you still have question I will answer them.