Mitsou wasn't that bad since he spends actions trying to build his armor up and giving tells to what skills he wants to use. I maxed out the 3 links I challenged myself to limit to. It is hard not doing Naoki/Kanji's links for the content. Honestly the lack of things to do makes Golden's SOL feel much better than my past impressions of them.

The most optimal way to make money in this game is translations due to all of the opportunities available. Average of 5k per opportunity. The event change will shift to being 70% 5k without a special event, and most special events for choices lead to 5k. It is possible for 2.5k on certain choices due to bad luck when not taking a risk, and sometimes it gives 15k out in one opportunity.

I have nothing to really spend money on due to how most events cannot be repeated outside the 5k costing cafe and movies. Aka you cannot see the same movie with a party member twice in a row to prevent stats from being overboosted. In many ways P4 is more balanced than P3 in terms of not allowing the player to abuse their stat lines without heavy dungeon grinding.