>>73108151at some point sugar lumps unlock. one point in wizard tower unlocks spells and one of them makes gold cookies on demand. the play is wait for a gold 1, spell for gold 2, sell a bunch of towers until you can spell again for gold 3. optional is buying all your towers back, spending a sugar to recharge, spell for gold 4, and sell towers again to spell for gold 5. one sugar lump in banks unlocks loans, but iirc you need a lot of banks for extra loans.