Geksorin
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I don't know what your skill level is, but I'll tell you this: I won a tournament in the Chelyabinsk region, and you absolutely need a Town Hall. You need troops at the very beginning, especially if you have a lot of resources lying around. If you have 0 money and 0 resources, then you should build a Town Hall, and then troops can be built quickly, in a week. And even if I lose half a week's worth of army production, it will be generously compensated by an abundance of money!