"In answer to the master, the needs of a magician in Anicane are many, even more so for one who has recently been promoted from a lower level, such as yourself. As I've said before, you will need to feed yourself well over the next few months, which will easily take 40% of what you have each month.
In addition, as a blacksmith, you will need to purchase your own materials to create artifacts. The sect will give you materials to try out, but they won't be enough for you to fully master your new skills, nor will they be able to be used in artifacts for sale. So you'll need to buy materials. That alone would be enough to bankrupt you, master.
You'll also need to buy books on techniques, access to some services in the city, self-defense artifacts, and forging artifacts.
As I said, the amount you have now is just enough to survive. If you want more than that, you'll have to become an active member of the sect and collect stone coins quickly."