On income, to help you out; You can have a 300+ man party with all of them being top tier, and quickly. The thing to know is, the ways to make $$$ in this game, are the ways to make $$. They're not optional. You smith orders, caravans, workshops, trade, battle loot etc. Using fiefs and the passive incomes to offset party wages/garrisons.
To make a kingdom you not only need to do a lot of farming for gold (500k min 800k+ is ideal) to sustain you until you take over enough land to get decent passive income but you need lot of high rep with clans because you will need to recruit them into your kingdom to be able to compete with enemy kingdoms.
There's 3 options for passive income. Workshops - just don't be one of those people who makes a thread about "workshops not working", try and use the sesrch function if you have issues, all of the questions have been answered a billion times. Caravans - ties up a companion/family member and is a risky investment, especially if you're at war
You can get one guaranteed banner by playing the game’s campaign mode. The story will bring you on a quest to find the missing pieces of Calradia’s lost Dragon Banner. Thanks to the update which adds banners as a physical item. This too can be used in battle. Another way to get a banner is by winning one in tournaments.
They do what AI lords do, only for you. Raid your enemies villages, hunt down bandits, fight battles. Often can be a good source of income - if they get some loot they sell it ‘slowly’ over time and it’s converted to passive income. This can more than offset their costs. They also earn you renown and, when in a kingdom, influence.
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mount and blade bannerlord how to make passive income
