You... did not read my full report below did you? It include saves day by day and tell all my process.
You always say you have gold problem and I show you how to solve it. By Day 28 I paid the Bank 3k and still had 2.7k gold + materials and my combat team decently stuffed. I don't struggle like you at all. In my report you'll see that I did not have better luck than you and did way better.
I don't need a forge, if a quest request steel I skip it point or I can disassemble something with the workers guild.
Growth for MC is set, no changes possible.
Early on you DON'T take assignment quest, you can't do much if half of your team is away and ealy on it counts a lot. Your progress will be hindered a lot.
Medium quests are harder to do, in my run below all were easy.
"Did she cook/Fight/Train? How did you get Wits so high by D6?"
Since you didn't read it I'll repeat it one last time.
Daisy is in my combat team. She studied 3 times, had sex once and leveled up 3 timeswhich means 3 classes > Scholar, Apprentice and Alchemist which gave her 20 additional wits thus 52 wits.
She does not cook, it's useless as it is wasting time.
Of course a club helps physics, she is a mage but when she is not healing she attacks the ennemy. I didn't have a staff yet so I do with what I have at the moment.
By D12 my MC is PHY 70 Wit 43, I did not change Daisy's Factor yet.
If your Hunter is making 200/day then why are you struggling to collect 1k (D14) and 3k (D28) for the bank?
You may have 1 hunter but I have 4 hookers by D12.
If you had read my report you would know that she was trained and equipped with 2 pieces : maid uniform and animal paws
I don't use "Longer shifts" because they won't earn exp.
"Ok, that makes no sense! How can a Hooker make 146 on D6, & yet much LESS on D12?"
She had a temporary boost, I don't remember what was boosting her
"BTW that 4 Char @ ~ 76 EACH, which is very very poor production for D12 [low Phy, NO TOOL worker is doing ~130/day;]"
They roughly earns me 300 gold/day, with those alone I can pay what the Bank ask of me, buy equipments for my combat team and make a nice surplus so what's the problem? Aren't you the one saying you have trouble to pay the Bank? That's quite rich of you.
Remind me how far did you go and how much gold did you have?
You can look I also don't have problem with obedience.
"Anyway, hookers aside, 5.4 's gonna be a *LOT* tougher Esp on Mages (Caster LOCKED!)"
Just did that, a bit of an annoyance but still able to finish it.
"Did a new post---Alchemist----Ever used?"
Yup on Daisy.
Edit: my saves are available, you can check directly if you don't believe me, my report is detailed too, I don't see I can say more.