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Not sure there will be one answer. Look at trade routes, ocean going have a better return than land routes. No extra roads, no useless building drain, number of units. Balance happy and $$ with your trade routes, if you have happy, trade for gold.
Those DLC's make it easier to generate Gold than in the base Civ5 game.
Don't know why.
In BNW riverside and coastal tiles don't yield gold anymore. Main gold input comes from A) trade routes made with caravans and cargo ships. There is still gold from B) city connections, with that new name. Trading post are not that effective, but can be used if there is no other way.
You are probably lacking city connections. On water map that means you need to have either capital on coastal (you really should have that) and harbor in the capital, or capital connected with a road to a coastal city with harbor. Then you start getting gold from cities from other continents (if they have harbor).
If it is still early on (no trade partners, few to no places to send trade routes) then you just need to avoid spending any gold where necessary. Disband any military or workers you don't need, don't build unnecessary buildings. Gold eventually lightens up later in the game.
- Are you building military units and being buried by upkeep?
- Are you expanding too quickly onto areas with no natural gold generating tiles?
- Did you establish any trade routes or deals?
- Did you forego economy techs?
- Did you construct buildings in your city that you aren't actually using that also have maintenance expenses?
- Did you connect your cities to your capital via road or harbor yet?
They will have -500 gold per turn and still be churning out massive armies with seemingly no penalties.
i do but im only getting food from trading with my cities
One naval trade route should give close to 15-20 gpt to another Civ capital. I can't imagine you are running more than a -20 gpt deficit.