Yeah, as much as I hate to say it, My Friesland game, was not really challenging... at all. 
I'm in an England game. I have WAY too much money. It's ~1550 and I have 14K, army maint all the way up all the time, lots of mercs, all manufacturies my tech allows. In other words I have way more money than I can possibly spend. It's ceased to be even a resource I need to consider.