Money is a key aspect of Victoria 3's gameplay, but although you might be tempted to fill up your gold reserves to safeguard against the unexpected, stockpiling gold isn't always a good idea.
Victoria 3's stockpiling gold alert pops up when your gold reserve has reached its limit. While this certainly means that the next time you have to spend money you won't have to take any loans or risk going into debt, it also sees a part of your revenue surplus going to waste.
Victoria 3 Stockpiling Gold
The total amount of money your country has changes weekly in Victoria 3, when the game calculates your revenue and expenses. If the former exceeds the latter, that amount goes into your gold reserve.
Victoria 3's gold reserve has a limit differs from country to country. Once you pass whatever your chose country's limit might be, stockpiling gold – or continuing to ensure you have a surplus going – has diminishing returns, no longer adding the full amount you're earning to your reserve.
This, naturally, means that continuously stockpiling gold in Victoria 3 isn't necessarily a good idea, since it ends up losing you money that's better off spent constructing new buildings, expanding industries, your army, or in other more productive ways.
To check your gold reserve limit, look on the top left side of your screen for the pound symbol and hover your mouse over it. In the freshly opened tooltip, hover over the amount next to gold reserves, and you'll see your limit.
At the same time, stockpiling gold in Victoria 3 isn't something you should completely avoid. Your gold reserves are where your country draws money from when your expenses exceed your revenue. One early example of this basically occurs whenever you decide to construct or expand a building.
Aside from ensuring that simply expanding your production capacity doesn't send you into debt, having a healthy gold reserve in Victoria 3 can also save your skin when things take a turn for the worse.
Balancing periods of depleting it with those when you build it back up seems to work well, but you'll have to get a feel for how things go depending on your country's socio-economic landscape, the intentions of your neighbors, and your plans for each playthrough.
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