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Let it pile up.
Stop fighting!! Join my army, i am so rich IM LITERALLY TRYING TO KILL YOU WITH GOLD COINS. I hire you!! Up there in the tower, your hired! *crash*, YOU there, archer killing my men, YOUR HIRED *boom*, ALL OF YOU ARE HIRED AHAHAHA REPORT FOR WORK IF YOU SURVIVE AHAHAAA.
I live vicariously through my games.
That said... supporting a garrison of 500+ Tier 6 troops in a settlement is a HUGE money sink, even in earlier versions of the game where money was even easier to get. And you need gobs of money for each proposed peace settlement, as well, so unless you're planning to conquer every country that declares war on you without any pause in the fighting, you're probably going to need at least some of that money.
Meanwhile i have 20k denar each day with 5 caravans and 10 workshop with 2 towns and 2 castles all over calradia,i see denar useful for buy lord,force peace and buying food for my army
Still try to find Tier 6 mace for capture unique troops and tier 6 axe for easy gate cheese
I grew rich on selling shoes, invested in a few workshops and a caravan, then realized I could also sell hats and the usual helmet from tournaments. Then I joined southern empire, my boot and hat selling business impressed empress Rhagea so much that she let me marry her daughter and she even payed me for it. Then I started my career as a full-time warmonger and kept the boot and hat business on the side to support the upkeep for my army.
etc. etc..
now I have my own empire and I own 4 towns are 4 castles, and I have millions.
Late in the game I've also experienced inflation, sheep selling for 1k denars per head,
Sure there are some lords that might ask you for 800k while some ask you for 5k for them to join you.
Declaring peace is also way too cheap.
I can like wreak havoc in kingdom and take over, and then when they retaliate I'm like
"hey, here's 30k, we cool now right?" -yes!