Character Creation Rules (Final Decision)
Looks good to me, to help clarify to others our 21-level starting gold is 975,000 + 25,000gp for consumables/mundane items (or basically pocket change). Landlord gives money to build your stronghold, city economics/structures, and hire staff to maintain and run those buildings and economics.
DMG II gives also chance to run a business, even multiple businesses but need to be reminded that if run multiple businesses you need then business partners to run the others besides the main one you spend time running (advice use high-level followers and cohort for that).
11,000 XP is not a lot for crafting wise (or permanency effects), but I read that one fix is to spend 1 XP x 5gp formula to 'pay' missing XP with gold (so overall your not making items by 50% price but rather 75%). Any discounts to crafting gp wise do not apply for the XP tax (but any feats which reduce XP cost for crafting would reduce needed gp payment for missing XP).