Step 5 — Have You Spent Merits on Passive Perks?

💸 Step 5

🧠 Your Answers So Far: - Bank Use: ✅ - Refill: TBD

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Have you spent any Merits on the Bank or Passive perks?

• 📈 Yes — Bank interest, income, stocks
• 🔫 No — mostly combat or training perks

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🧠 Why this matters:

Early-game merits spent on income perks compound faster than stat boosts.

• Bank interest = faster capital
• Passive income = easier scaling
• Lets you profit while training or waiting on cooldowns

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