This game is hard. Couldn't even get to the first loan before all my servants, including my first one and daisy who I assume is story relevant, ran away.
How did you even manage that one?
In case you'd rather get some hints here, rather than go the "Dickscord for everyone" route, start by setting up a team to clear dungeons (my favorite minmaxing start is fairy mage for MC and dragonkin warrior for frontline/meatshield). Those are much better for both income and resource acquisition than "farming." Not only that, they will provide you with captures that let you improve stat growth. You want to improve stats of your long-term slaves before you do any leveling up with them to keep the cost of it low. Aim for full clears of dungeons in one turn. You don't need to hit more difficult ones till you can handle them. Buy basic resources and the Bounty-related items directly from town store.
You want one 4 combatants team as soon as possible, and at least one "collector" character to pick things up after them. Each turn your combat team is doing anything else than fighting to clear dungeons is lowering your effective income. Humans get collection speed bonus, look for the trait that boosts that as well. Spec them into worker/foreman, and have them pick up anything left that your combat team could not in one turn. Later on you want to relieve your combat specialists from any collection, so have 2-3 dedicated collector characters. I can't stress this enough - dungeon clears are where you get rich, even if you just hoard all the equipment/resources you get from them altogether. Single Bandit Fort run will generally net you over 1000 from quick-selling captives, and you SHOULD be getting some slaves for better-paying bounties as well.
As long as you have a good meatshield (front liner melee), and a spellcaster/archer behind them, the other two do not matter as much - even Daisy will do. Non-ranged enemies will always hit your first line, so one heavy armor user there is probably optimal. I definitely don't bother with more, might as well start another combat team. Focus on ranged enemies and those with AoE abilities first. Later on you can do lower dungeon clears with just that kind of melee character (Earth Shaker with occasional Light single-target attack on a good melee can do full clear of Bandit Forts on their own), or 1 melee one ranged.
Your combat characters should fast-track advanced specializations for multi-target attacks. You can always right-click portrait of the enemy to see their resistances/vulnerabilites, and build around that. Basic progression rule for me is Earth -> Fire -> Light -> All-target-Earth. Melee doesn't do Fire early on, spellcasters Earth. Pay attention to which damage stat an ability uses, and don't put ATK skills on your mages that should be using MATK abilities instead.
Healing and mana gems are cheap. Use them as needed, if you're clearing a dungeon each turn you can easily afford that. If you keep using more than you can purchase each turn (or, for that matter, frequently at all), you're aiming at too high dungeons - back down, let your combatants earn more attributes on lower difficulty.
tl;dr: Early on you should be coasting on store purchased resources and dungeon clears. Assigning characters to resource production (either through mansion upgrades or special locataions in game) is far less efficient than clearing dungeons. Don't bother with mansion production that's not Silk, Magic/Iron wood, or Obsidian/Mithril, and even all those are "as needed" more than constant considerations. Dungeons have all the stuff you need.
