More finance levels, it also helps nuke your HP to continue abusing self destructive. Daydream has, surprise surprise, diminishing returns. Daydreaming grants MoL on the current MoL it grants plus the next one, so to get 21 MoL from daydreaming you need 241 daydreams, 263 for 22. With Triumphant and 4 slots to daydream we're looking at 20 daydreams a day.
I usually devote the last 30-35 days for daydreaming. That nets me 34-37 MoL. It's a question of sitting back and doing the math to see if it's faster to gain fitness, finance, or charisma levels compared to x days worth of daydreaming.
Here's a cheatsheet you can reference:
View attachment 4865064
I tried to paste that in, but I completely lack the necessary skills to do so and have it not look like ass