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Kill some bandits and raid their tents, put the money into the regional wealth and buy a new ox. If you have level 2 houses, wait a long time before you can afford another ox.
I could be wrong but as I understand it the trade route enables more frequent transactions. Meaning the merchant visits more often.
If you don't have a trading post, money or ox that would be end of game as no way to build anything and no way to buy anything.
The only other way I know of is to raid a bandit camp for money.
But it requires two things If my understanding is correct.
1. You need to raise the militia in the town that just got raided. Because the money you get from raiding a bandit camp seems to go to the town in which the militia live and work. (Please correct me if I'm wrong)
2. You need to already have a hitching post there as well from which to buy an oxen.
Yes, but people have reported that when opting to send it to the town it went back to their starting town in the first region instead of the region that they were trying to build up.
It was then debated what determines which town gets the money and someone suggested it goes to the town to which the militia you used belong or something like that.