Forevergamer:
At the start, what little money you make, buy muskets for it. I would advise against trading in muskets since they're way too valuable for that. Except selling them to the natives of course (sound investment).
A good way to get some extra cash without a lot of work, is to send a scout to make contact with the Native villages. Depending on their mood and level of advancement, they may give your scout some hard needed gold. If possible, send a dragoon to accompany your scout in case you find one of the cities of Chibola...
If you find a big stash of gold, you will see a gold wagon. To cash it in you must safely transport it back to Europe! This means getting a galleon or Hernan Cortez. If you don't want to invest in the galleon, you can also just build a colony with your scout, send in the wagon and you will get the message that the king's fleet will transport it for you for a price... If you have Cortez the transport is free.
After the gold has been transported, simply abandon your colony by turning the colonist into a scout again.
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