[mivayan]

I disagree. I try to end my turns having used all my gold. Carrying gold over does not earn interest, and unless you are saving for something, going many turns in a row without spending all your gold will generally put you at a competitive disadvantage. If all units were 0 resources and 0 holy, an ideal solution would spend all the gold, so you could have troops - not save all the gold and build nothing.

Troops cost upkeep however, so you can save money by building troops later if you dont really need them now.