right now I'm just gaining interest from my bank. Its not exciting, but it beats spending all my cash on healing potions, or grinding out easy battles so i can level.
The xp award system needs to be adjusted. It feels like i am better off buying all defensive items, and staying in the fight longer by not killing my enemy so that I can hit it more often, and thus gain more potential xp per battle. XP is always about the same regardless of the enemy, and that takes out the difference between fighting an orc, or fighting a balrog.