Who am I in debt to lol?

[| нsт | Victorino Mora]

I started a campaign and quickly spiraled into debt. I've played Tropico and in that game it's clear you are trying to branch out of the main shareholders or whoever runs the capital. But you can ask them for loans, you make trade with them and you try to make your own country a reality.

But here I started off on an island by myself with resources gained by my own people, and food and pretty much any supply is done by my people. So who am I in debt to? My people? myself?

[Chaosium]

Yourself pretty much. Your factories have operating costs and if their products yield less than what they cost you, you lose money

Great example is the steel beams production chain which they introduce you to WAAAAYYYYYYY too early and is the perfect textbook situation of how to spend thousands for something that earns you a grand total of 0 coins

[Gunny]

Originally posted by | нsт | Victorino Mora:

I started a campaign and quickly spiraled into debt. I've played Tropico and in that game it's clear you are trying to branch out of the main shareholders or whoever runs the capital. But you can ask them for loans, you make trade with them and you try to make your own country a reality.

But here I started off on an island by myself with resources gained by my own people, and food and pretty much any supply is done by my people. So who am I in debt to? My people? myself?

Jeesh pay attention. You are in debt to the Iron bank of Bravos....

[Hundinger]

Pay attention to how much you are producing and how much your people actually need. You need to provide for them but if you massively overproduce, you will lose money, because production buildings cost you.

There is a very easy way to find out, if your production/needs ratio is balanced. Open the statistics menu with ctrl q or the button in any warehouse or production building. The production tab will tell you if you produce enough and if you produce too little or too much. The green bar has to be longer than the blue bar, but not by much.

The statistics screen has a lot of other helpful features, check them out.

As chaosium said, be careful with producing builiding materials, because they cost but earn you no money, Yes, you need them for building, but do not build too many of them. One steel beams factory is enough for a long time. You can also buy steel at Archie's harbor. Not much early on, but enough to build a few worker productions that get the money and workforce you need to be able to afford the steel works. Buy steel and use that to build your first soap production chain. It will get you workers and money and also, since the consumption is pretty low, it will give you excess soap you can sell to Eli, the prison ward, who will pay handsomely for it.

Need more help? This guide is very good, check it out:

https://www.youtube.com/watch?v=HqXRULW2NSY&list=PL62qv03TjhLsdVEzH_INbioOPm8BN54JJ&ab_channel=Taka

[kubluu]

Like many other things money is not realistic in this game, it is just a resource like coal or rum.

[Humble]

And there is Royal Queen that player always debt to her unless you playing creativity mode or use mod all building are free.
I guess not only royal taxes once hit certain numbers of your citizens but all other factories and military charges you for their wage, not much detail but it's mostly worker wage then paid you by live in house.
I assumed you paid factories and military because of citizen wage.

Although there is item specialist that could make factories and any ship near free maintenance of wage.

[Chuckawookie]

Originally posted by | нsт | Victorino Mora:

I started a campaign and quickly spiraled into debt. I've played Tropico and in that game it's clear you are trying to branch out of the main shareholders or whoever runs the capital. But you can ask them for loans, you make trade with them and you try to make your own country a reality.

But here I started off on an island by myself with resources gained by my own people, and food and pretty much any supply is done by my people. So who am I in debt to? My people? myself?

When you build a building like a farm, you have to pay those workers their wages. That's your maintenance cost. They produce goods for you, which you own, and transport them to your warehouse. Those transport workers at the warehouse also need to be paid a wage. Then your goods are delivered to the market where your people spend their wages and you make your money back plus interest. That's the gameplay loop.

[Serious Business]

Rothschild central bank

[ElPrezCBF]

Check your production tab regularly. Expand production only if the good's supply (green bar) is less than demand (blue bar). Different production chains have different production ratios like 2 wheat to 1 flour mill to 2 bakeries. In this example, building and operating all 5 buildings immediately would be the most optimal from a production perspective, but not necessarily from an income perspective if you're not making much. So you don't actually need to follow this ratio immediately if you can't afford it.

[Spartan_0078]

Click on farms often to check happiness and needs for your citizens. Happy citizens pay taxes.

But also check the productions and balance tab to make sure you're not overbuilding stuff. Keep rations in check, and make sure to go slow.