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Or do what I do. Leave your armies/navies at 50% maintenance unless you are going to assault or are fighting lots of rebels at low tech.
You do not need full morale if you are simply "at war" fighting normal troops. You need more troops.
I never lowered my maintenance until I did my morale FAQ and now I often leave it at the lowest point. A real eye opener when you look at the savings vs the loss of morale.
Originally posted by J. Banér One way who sometimes work is, lend out all your money and resarch for the money you get in interest.
One time I was Sweden and lended out 10000 to a lot of countries and then got 1000/year in interest, and after a couple of years I had much higher technolohy lever then other countries.