Use commerce to research at the maximum or near maximum rate. Think of it like two investment options. With research you are investing your income into something that will give you a tangible gain. With gold you are putting your income into a piggy bank which you can raid later. The second one doesn’t give you anything.
If you really want money for upgrades then simply get this in a short burst by running 0% research.
In general it is difficult to build too many cottages assuming you are not building them on resources (though you might consider building one on sugar or ivory).
If you really want money for upgrades then simply get this in a short burst by running 0% research.
In general it is difficult to build too many cottages assuming you are not building them on resources (though you might consider building one on sugar or ivory).
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