Even in the early going I never found myself short of funds. I used followers as pack mules, or kept only the most valuable subset of what I found. Anyway, at level 48 with the game almost "complete" I have 150k gold, own four fully-kitted houses, and I have no idea what I would spend the rest of it on. It's really kind of ridiculous. The one thing this game does unambiguously well is the sprawling, beautiful world with its weather, lighting, ambient sounds, etc. Everything else is either non-existent (NPCs that know anything at all about the world... like what time it is), or ladelled over you in huge, heaping portions until it's completely meaningless (gold, loot, combat capability).