I think it is every 10-15 minutes that a trader changes his wears.
Another thing i think you should carry bundles of hay near your teleporter and then arranmge it into sleepable hay.
About money,i am nearing the wasteland part and i too have 6 golden charms but not as much money as Raze,i do have a ton of other charms though.
Until recently i never knew there was a green charm
