I don’t know how you manage your battles, but what i can say is : You are wrong sir. :)
You just have to carefully pick up your first few battles. (where you are low on money) then, money wont be a problem at all.
I’m at day 110 and i have around 40k gold, all my mens are well equiped. with a huge ammount of tools & ammunations.
Oh, btw, on which difficulty do you play ?