Stop rushing quests for exp. I'm already 53 hours in and I'm only level 16 because I leave the game on sometime just for the store to restock. If I really bother to respec-steal with Fane + Red prince on all of the merchant I am shopping from, I will probably have 400k leftover or something which is just overkill and unnecessary.
And learn to plan ahead. I left fort joy with almost 30k worth of total fund because I didn't steal anything until level 6 with thievery gear. Right now, I am leaving at least 5 trader open for pickpocket hoping there will be a thievery ring or something soon so I can make 50k on each of them instead of 30k.
This is still seriously gaming the system and completely OOC. Not that it's necessarily wrong for a max-difficulty settings, but when you hear the braggarts on the forum describing how they faceroll the game easily and you compare with the incredibly convoluted ways used, you can't help but feel titanic dissonance.