I played a few games of VICKY and around years 1880's I am rich enough to afford social reforms, I pay for whatever I can get and generally I do not bakrupt myself or get a deficit but I get social reforms until my income is only a small fraction of the 40,000 dollars a month I was making before reforms.
So after I get the reforms my money income grinds to around 4000 dollars a month. Soon after all my people lose their once plentiful money reserves.
Same thing with industrailization! I get many factories, many factories. It imporves my score alot but in the end my people don't seem to get any benefit from working these factories... and I miss the days when most of my people farmed and mined.
So why does cash reserves lower after I industrialize and socially reform. Why can I not keep them high during my progress... my pre-1880's people were richer

I played as America and England and this happened both times, rich cash reserves lost for exchange to reform and industry
So after I get the reforms my money income grinds to around 4000 dollars a month. Soon after all my people lose their once plentiful money reserves.
Same thing with industrailization! I get many factories, many factories. It imporves my score alot but in the end my people don't seem to get any benefit from working these factories... and I miss the days when most of my people farmed and mined.
So why does cash reserves lower after I industrialize and socially reform. Why can I not keep them high during my progress... my pre-1880's people were richer
I played as America and England and this happened both times, rich cash reserves lost for exchange to reform and industry