First of all, there are only two reasons that restrict you from getting rich at the age of 21.

1. Initial capital is too small

2. Not enough physical strength

So I only need a talent that reduces 5 city movement stamina, then take out a loan, and then use the loan money to buy a carriage, and then the game is over. I can also choose to sleep hard the day before. After all, 50 stamina is quite good.