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Promptly don't prepare, everyone dies in fires and screams...
Depends, honestly. One, try playing the peaceful setting first, get a handle for how the game works. Then, when you feel prepared, do the game starts that *do* have raiders.
So, money. Do you mean regional or personal.
Regional, easy peasy. Set up a trade post and sell junk. Raise level of houses and collect taxes. Turn around and buy (my personal favorite import setting is 2) arms and armour to outfit militias.
You also have your retinue. Which, honestly, is amazing. Don't ever use them as front line fighters. Put spearmen out front, soak up the charge, then bring the retinue in from the sides, or preferably the back. Smash on through.
Personal cash, well, that is where it gets even easier, see! You use that to hire mercenaries or upgrade your retinue. You get it by...taxing the regional tax. The amount you set is the percentage of regional cash that gets converted to cold, hard, cashmoney in your grubby hands. I usually set it to a low amount, 2-5, just get a trickle coming in.
The major cashmoneydollahollaholla income is bandit camps though. Form up your spearmen (you did that, right) and your retinue. In winter. There isn't jack all to do in winter, see, so people getting called up doesn't bork things up that bad. Now, march them towards a bandit camp.
Set your spearmen in a line with the retinue a bit back and off center a bit. Preferably on a slope the enemy has to climb, see. Now move them forward until the bandits come out.
Now, the important part. Relax and don't do anything. Wait for the bandits to smash into your spearmen, move your retinue around to the side or back, and throw them in.
Now go march over the bandit camp and get at least 125 gold.
Repeat.
ive read about this issue. i might stop playing when i encounter this. Unless i have william wallace or conan the barbarian in my team.
Pikemen better :D
In this case, at least. They get a charge bonus, you see ;)
Spearmen are amazing though. Like, just hit defense, watch them soak up the wacky.
Then walk up behind whoevers attacking them, and poke em in the ass dead.
You literally can't do all of that all at once, before the 2nd winter.
Now after maybe 4 years I have two 3/4 sized peasant units (spear and archers) plus a retinue of 12 knights. Still not been attacked though.
How do I increase my retinue? It says I have 5/24 but I cant find where to add more men to it?
You buy them up to 12. On that screen you an also buy armour for them, change their weapons etc. You can increase your retinue above 12 if you build the right building in your castle/manor.
They make mincemeat out of bandits.