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https://civilization.fandom.com/wiki/Trading_Post_(Civ5)
I always check the city screen to see whether it may need more Food or Production soon.
Gold usually is not that critical.
On the other hand, if the Terrain is Desert or Tundra, a Trading Post may be a good choice.
They are mainly used to spam in puppet cities. Partially to offset the science penalty per city when you get +1 science on trading posts, and partially to keep funding military upkeep. Plus, you generally want to keep puppet population lower so you want trading posts over farms.
Caravans (and cargo ships) were introduced in Brave New World and they yield so much gold that trading posts were made obsolete (but not removed) as riverside gold yield was also removed. In BNW economy runs with trade routes, not with trading posts as in earlier versions. They could (or even should) have removed trading posts in BNW.
Only use for trading posts nowadays (in BNW) is jungle tiles. I rarely build trading posts in other tiles. AI builds trading posts as A) AI builds what ever is available, and B) AI can't protect their trade routes efficiently as human player. Gold is not that important for AIs.