I understand everything, but you don't need to tell me what and how to build first. I know that myself – money isn't everything. I've been playing Heroes for six years, starting with Heroes II, and I can figure out what's best for me. My tactics are well-honed and work 100% and even 200% of the time, even on the highest difficulty. Please choose your words more carefully, okay? Otherwise, are you saying my tactics are weak, or did you participate in the game's development so you can throw around words like that? If you had read further, you would have understood everything. The topic here was about one's own game tactics, not mine or anyone else's!
Please, don't exaggerate. I didn't mean to offend you; I simply described which playstyle is weak and which is strong against human players, and explained why and how. How do I know this? Because I've often observed it firsthand, standing behind a player and watching the best players play. Not because they called themselves the best, but because they won world championships in Heroes, championships among the best players in the CIS (held live in a club), and so on. Plus, I have a lot of experience in Multiplayer. You can also ask any good player here who plays against humans if it's justifiable (regardless of the difficulty) to focus on money early in the game, building nothing but financial structures.
However, if you play against the AI and just for fun, then, of course, you don't care how you play, and your tactics are valid (because they bring you pleasure). However, they are not useful when playing against a live opponent.
I'm curious, with what money are you going to buy an army if you built it without having a financial foundation? If you're talking about a fast game, then it's not interesting to me. I like it when the AI can respond to you in some way, rather than sitting in its castle for two weeks with a handful of weak units, waiting for you to conquer its city. And you won't have enough money to buy anything, but you will have built an ARMY in your city, which waits for a week for the plague!
Well, the answer to your question is in my post, which you are quoting. It's very sad that you didn't even bother to read carefully what I wrote.
Good players immediately build an army, buy it, and use it to take money and resources from various monsters (including destroying (capturing) such financial structures in the early days of the game as crypts, temples, and sometimes even dwarven mines). They also buy many heroes (sometimes up to 8 in the first few days) and send them in different directions to scout and collect free money and resources, and some of them are used for efficient hero chains. As a result, you may have even more money by the end of the week than a player who focused on finances and bought only two heroes, but at the same time, you will have significantly leveled up your main hero, conducted extensive reconnaissance of the territory, which will allow you to know exactly where to go at the beginning of the second week, and at the beginning of the next week, you will be able to buy reinforcements and either go to kill the opponent or increase your combat power, while your opponent will only start building an army in the second week (and you will still get more money in the second week by destroying structures like nagabanks and medusa lairs with your leveled-up hero and bought army, and by collecting some free resources much earlier than your opponent due to the larger number of heroes).
Unfortunately, this is already the second post where a player asks a question, even though the answer is clearly and precisely given in the previous post. What's the point of me writing if the posts are read so "carefully" (especially since I type very slowly, with one finger, and it's hard for me)?