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Pretty much any town or city, talk to vendors and stuff and yeah.
Poultry vendors and bars will usually have little money so best not sell to them
It's when I go to Solitude, I am surprised that there are fewer merchants owning shops there. Only Radiant Raimant, Bits & Pieces and the Blacksmith are really worth selling to. I would have thought the capital city would have had a lot more.
If you can get the speechcraft perk to sell anything to any vendor, you can then sell clothing, armour and weapons to the alchemists as well.
However, it's not the best policy to grab everything you can, you end up very rich very early in the game. I pick and choose and still had half a million gold and more gems than I know what to do with by the time I got halfway though the game. That's leaving behind any mage clothing, armour lower than Dwarven and weapons lower than Ebony.
The only reason I started picking up Ancient Nord weapons and iron weapons is that I have the mod to deconstruct them at the forge back to Corundum and Iron respectively. That helps for house building when Corundum is hard to come by and you're always running out of iron fittings etc.
and I can't find the download button
Also everyone else where can I find merchants with money?
I guess I'm too used to selling everything in other games since so many people say dropping is fine.
Smiths ofc because you want to buy ingots to lvl up smithing + You sell stuff for 3000+ instead 1000 = Trade loot you find for ingots.
Rest you sell for general good store until you get level 50 speech and can sell anywhere.
Mods:
Depends how easy you want to make this game. Personally I rather go hardway than easyway.
This game is allready so easy I would try to look mods that make it harder. Example in my opinion smithing+enchanting should be both nerfed as much as possible because they're broken.
I have about 200,000 gold and can't find a way to spend them. I bought all houses, I'm building a couple more (to areas with estates only to buy), I'm spending all gold I can for training (even on skills I don't use)...
...but still I have a lot gold.
I even stopped looting any more! I'm just taking VERY RARE stuff, not good vanilla (or "Immersive Armors") armors/weapons (costing 400+ gold). I'm just looting stuff now, over 1600 gold cost...
...And still, can't spend the damn gold. They SHOULD HAVE PORTED some interesting Economy mods they had in "Oldrim".
Before they broke it with a patch, Riverwood Trader had 10K gold at some point.
As for what to spend money on, buy out shop inventories if it matters that much to you, or maybe on your next playthrough try a bit harder not to rake in the gold so early. Don't loot the corpses in Meridia's temple, don't hit every urn, and don't make potions or smith items or enchant iron daggers to sell, unless you set yourself a limit for a specific purchase, like the 39K gold it takes to get Proudspire and all the trimmings.