Economy framework
Track every money source by risk, time cost, repeatability, and whether it blocks other progress. Farming may be stable, fishing may be flexible, combat may be high reward, and crafting may convert materials into better long-term value.
Repayment versus upgrades
The best guide should not tell players to repay everything immediately. Early upgrades can make future income safer and faster. Once final numbers are known, build a recommendation table for repay now, upgrade first, or save for story requirements.