Board Thread:Questions and Answers/@comment-32767457-20190609052830/@comment-36170150-20190609131803

Like Dukeleto said, you should try playing with Fulminato's calculator if you want to tailor the best run for yourself, some investment choices only make sense if your entire playthorugh has been tip-top, but I can give you some general advice:

So, since you did not whore Qum, you're only going to really have 25k to spend in the first round (after buying the bank and the mine because they are too good to pass, picking up 5k at the start of chapter 2, and saving 10k for the Stineford magic shop), from here you have 2 strong paths, you can either give 25k to Megail for her special investment, or you can invest on Premium Steel (20k) + Public Works (5k). The first gives more money in the long run, the second's main benefits are the extra Aka RP and you can get Hilstara's helm during the reunion.

Recent developments have made it so it might be a good idea to just get extra Aka RP by giving her the reunion bonus from speaking with her first so you don't need the early premium steel investment, the main interesting possibility of the early premium steel investment is that if you do it and you also give Aka the reunion RP, it becomes possible to have her maxed in time to get +1 Ginasta RP, but I still can't confirm if that is worthwhile or not.

During Megail's route, on top of the Dwarven Embassy, you should always pick up the Eustrin manufacturer and the Ardoheim magic trade, they are just too lucrative to pass. If you got Megail's special investment then you will be able to skip the Eustrin supplier and that should let you afford the Eustrin processor for some extra money. The aramite supplier is a minor boost of money in the long run if you can afford it but it really doesn't matter much.

During the reunion + the ardford summit:
 * Getting all 3 banks now will help you a lot during chapter 4
 * You must hire all the mercenary groups to have a good battle of yhilin
 * Getting a merchant's guild membership and the deeds of Vinario are worthwhile
 * The Premium Steel investment is overrated, it is not very profitable and all you lose from skipping it until chapter 4 is the chance to get Robin's custom weapon earlier.
 * You should donate 50k to the Order of Silence if you can afford it
 * The most optimal way of dealing with the price of the Ardoheim bank is to do all the side-quests perfectly, and then invest on the Ardford restaurant (25k) and make a donation of any size to the Order of Silence, if done correctly this will just lower the bank's price to 400k.

During chapter 3 you don't work with ProN, the main advice I have for the Discretionary Funding is that in the end you will probably want to skip Noble gratuity, Countryside mercenary regulations, Reinforcing the aramite border, and the Monastery renovation.