I don't have maxed barter or luck, and I still ran into excess money by my mid teens. this game feels very polarized with its economy. on one side, you seem to struggle endlessley to get the money you need just to keep your gear up and get a few skill books. then you hit a threshold were money just seems to pour in, and you get tired of picking things up to sell at the vendor.
I'm tempted to try out the mod that rebalances the evonomy, see if that helps. But I will definitely try this tip out on my lower level groups until they hit that threshold.
