I have recently "mastered" the Regent level and have tried Monarch level
. Every time I play on Monarch I get buried by my lack of tech and have a hard time managing my gold (this probably isn't related to the level of difficulty though). I put my tech on max without losing gold, but the AI always gets ahead of me. I figure that I should take a military approach, even if it's not my style, but my tech level usually stops me in my tracks with limited gains. I also tried a military civ but that didn't help much. Does anybody have any tips on how to overcome the AI advantage?
I know I sound like a newbie not worth helping, but don't you remember when you went up to Monarch level?

