>and I don't have enough money (to make enough armies, pump-up defenses or build fortifications).
No offense intended...
You just aren't expanding your economy fast or efficiently enough. If you had better resources, then everything else falls into line. With more game experience you will develop that extra efficiency/economy needed, and will find things easier.
Let me ask... how many provinces are you holding on turns 15-20? What nations do you play, and how do you set them up? More info is needed if we are to give you more direct advice.
