Oh yeah resource tiles are great to buy early on. What is it like 55 gold sometimes? Money well spent to make sure you get a luxury or some horses early on.
Early on it's always nice to buy a worker. Some tile purchasing(luxuries/ressources for the most part that you gonna sell) if you settle a bit farther. Buying a warrior or archer is not bad if you can do some barb quests with them or simply defend against Monty,Alex or any possible threats(or going to).
After philo, i usually begin to gather to sign RAs when the time will come. If i go pure warmongering, i keep for mass upgrading.
I buy cultural city states, I'm also partial to buying work boats. Lately I've been buying troops in times of trouble, I tend not to have a large enough standing army and get attacked... May have a go at some scenarios. I also spend a lot of money upgrading troops.
For the longest time I only used Gold to bribe City-States and purchase vital buildings for annexed or new late-game cities.
Recently I've learned the importance of Research Agreements, so I spend as much as I can on them now. Fortunately I usually still have plenty of money for my traditional expenditures.
I almost never spend Gold on units because they're so expensive, and my core cities can usually crank them out in 3-5 turns anyway.
I love to open with a GL gambit and usually buy a monument with my first gold (to get that Liberty worker early enough to rush-chop while the first builds farms), then a granary with first luxury gold to kick the capitol into permanent production mode, then I rushbuy archers to defend myself from the inevitable rush.
It goes up by 5 with each purchase. Buying second tile will cost 55, third 60 etc.
What I spend my money on is very situational. In early game I usually buy the first worker if I cannot steal one from CS and a settler if I need to race with AI for a good city spot. Lux tiles are also possibility, when there is no other way to deal with unhappiness. Obviously critical resource tiles, although I try to settle as close to them as possible to start utilizing their potential immediately. Ally Cultural CS if I need to finish Liberty fast.
What happens later depends on victory type.
For domination: in mid-game - some RA's, some rush-buying and upgrading units. Buying couple of courthouses. Late game, when happiness is not an issue anymore, mainly massive rush-buying units.
For peaceful play: mostly RA's and defensive units as needed. If you stay tall and thin you don't have too much cash to spend anyway. So it's an easy choice.
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