cpbama1 said:

6 Civs, Noble, Continents, Germans.
Do you build 4-5 cities and then attack? In prev Civ games it was expand, expand expand. I guess I have to unlearn what I have learned?
You have to unlearn blind expansion. They key is that new cities (be it cionquered or settled) do not pay for themselves. Therefore, if you expand to quickly, you end up with a large amount of un-profitable cities that cripple your economy. After a wave of expansion, you should pauze a bit to get the economy running in your new cities.
cpbama1 said:

6 Civs, Noble, Continents, Germans.
Here is the problem. It is around 1080AD, I have 10-11 cities and my research is down to 30% and I am losing 20 gold per turn and falling way behind. I have tried to build cottages everywhere. Nothing is working. I have built a barracks in every city and a library in a few.
Cottages are nice, but a size 1 city with 20 cottages in it's area still produces hardly any commerce. Are your cities big enough to work all those cottages? Besides cottage tiles, is the city also working high food tiles to grow faster (and work more cottage tiles later)? Did you build a granary to double speed of growth? Did you build those libraries in high commerce cities? Did you build markets and other financial buildings in the high commerce cities? Did you build courthouses in high maintenance cities? The upper left corner in the city screen is your friend, it tells you exactly how much beakers, gold, commerce and maintainance a city has, from which you can deduce which building would yield the most.
Another very useful screen is the financial advisor. It states where your money is going. In peace time, there usually are three expensive categories: unit upkeep (you have way more units than the unit limit, try disbanding some old ones), civic upkeep (if you are running expensive civics, you could switch to cheaper ones), city mainainance (you have many, or very remote cities, build courthouses, forbidden palace and versailles).
Also don't forget trade routes. Make sure you can trade with remote civs and sign open borders with them. In large coastal cities, build harbors to boost income from these routes.
Finally, did you found a religion, built a shrine and actively spread it? In my current Monarch, large, continents game I found hinduism and get about 150 gold per turn just from the shrine (spread hindu to about 50 cities + 200% from market, grocer, bank and wall street in holy city) and another 60 gold per turn from priest super-specialists (4 Great Profits = 20 gpt + 200% from the improvements).