How to treat the mortgage goal
Until final numbers are known, the guide should explain the mortgage as an economy pressure system. Do not invent payment amounts. Instead, connect the goal to farming profits, fishing value, crafted goods, shop spending, and upgrades that improve future income.
Pay now or upgrade first?
The best economy advice is not always "pay as soon as possible." If tool upgrades, cooking, storage, or combat prep increase future income or safety, players may benefit from delaying payment. After launch, this page should rank decisions by verified value and risk.