Use a text editor such as notepad to edit the "RPGUtilite.c" file in the "\Program Files\Playlogic\Age of Pirates 2\Program\characters" directory. Search for the extension named "void initMainCharacterItem()" and look those lines. You can edit the starting money by changing the "pchar.money = 500" line (for an adventurer) to "pchar.money = 99999999". The adventurer class will now start with this amount of money. Scroll up and you can edit the starting stats of the characters. For example, find the lines:

case "Merchant":
SetSPECIAL(ch, 4,9,5,8,9,3,4);
break;

Change all those numbers to 10, so it now reads:

case "Merchant":
SetSPECIAL(ch, 10,10,10,10,10,10,10);
break;

The merchant class will now start with 10 in all stats.