Quick way to make easy gold very early in game (chapter 2). After capturing luoyang, the merchant with the fishing quest will give you 4 ultimate baits. Rather than using them in the guided fishing spot, instead use them in the moat immediately outside Luoyang moat. You will have a chance for gorgeous saddles that sell for 7500 each, strange atlrtifacts (2000 each) and other moderate sale items. Approximately chapter 3 you can unlock purchase of Ultimate baits and repeat this process as much as needed. My rough estimate is ~250k per 10 ultimate baits.