So, all of my little settlement people get stuff, then I buy some of their stuff, then I use some of that stuff to make other stuff, including convoys. Then convoys deliver stuff for like almost no money, or get attacked so that I lose money and convoys, so I do ship missions to make safer convoy routes (because the Carribean is between my house and Boston), which can be a pain if I don't upgrade my ship, which requires large amounts of money, which I don't have because I OH GOD I STILL HAVE MY DEFAULT AXE AND I KILLED PITCAIRN.