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1. Just drop all your caps and valuable stuff into a container and ignore them.
2. Do not do anything to try and make extra money, like extra water production.
3. never sell anything produced by your settlements.
4. Be a hoarder. Keep all the fancy unique stuff as trophies.
5. Play in survival mode or like you are in survival mode. No fast travel. You must carry everything back that you want to sell. Limit you strength if not in survival.
6. Use a mod to remove the perks that give you more stuff.
There are mods that reduce the stuff and mods that change the merchants. No idea what they are but they have been mentioned. Just search through Nexus. Practice your search-arts. :)
Just by looting containers and bodies - and without even having scrounger or fortune finder perks, you really still can't help but operate at a net gain (unless you're just not careful). If you spray a lot of ammo downrange with a particular weapon that just means you have to shift to weapons with different calibers for a while as you rebuild your ammo supply. You don't need to buy much of anything EXCEPT ammo for certain weapons. Even on survival I've never had a real problem staying in food and water without farming it OR buying it. And of course, with a melee-oriented character you don't need ammo at all. If you don't use power armor you don't need to keep maintaining it or feeding it power cores.
Fallout isn't The Long Dark. SCRAPING BY just isn't what it's gameplay is designed for. You can make "survival" more of a challenge but IME that just means it just adds more pieces to juggle to make you busier but doesn't actually make it likely you'll DIE from thirst or starvation or radiation and not being able to find what you need to simply exist from one day to the next. You'll find it. You'll live. You may spend a lot more of your game time attending to thirst and food and being hampered by radiation debuffs but it won't STOP you progressing once you get the hang of it.
So, yeah, I can see where someone would find the idea of a mod to ACTUALLY keep you poor and STRUGGLING more and not just JUGGLING more would be attractive.
YMMV
Learn from your past mistakes (as you reckon them to be).
Be poor and be happy.
i only stopped playing horizon because there's like 8923492384 settlement changes & additions, yet not nearly enough documentation anywhere on what you're supposed to do for your settlements since all that stuff is overhauled as well. the only documentation i could find was outdated and barely relevant.
i liked horizon other than settlements being tied heavily to progression & providing absolutely no proper guidance on anything regarding any of that so i gave up.
figured i'd mention it regardless.
I am used first two mods in my previous build and just added the third one to current build. It does not make my character "poor", but limits the life in riches. Note that you can use these mods even if you do not want character getting knocked out and robbed at all. I am unsure yet if I want that to my new game, but it was fun in last game.
Knockout Framework (Death Alternative)
https://www.nexusmods.com/fallout4/mods/27086
Non-Lethal Armory
https://www.nexusmods.com/fallout4/mods/27162
Stash Those Caps
https://www.nexusmods.com/fallout4/mods/23558
The worst game for me (re: my problem) is/was No Man's Sky, I couldn't get a big enough hauler, so I had multiple haulers sitting on different planets, sigh...
This feels more Survival than Survival mode. I had dropped that because it wasn't any challenge anymore but I think now to combine it would be brutal. Yay!