Right now I'm roughly 20 hours in (I tend to be...thorough, so in reality this means I've got 2 people in my party, level 24-25, have just got my cauldron, and currently trying to obtain a ship, if that helps those who are playing), and while so far I wouldn't say money has been a big issue, I do feel like I'm holding back a bit on my spending because I haven't quite gotten the feel for whether money eventually becomes trivial. I've read/seen several places that you should make sure to spend your money before going in to a dungeon so that if you die you're not hit with a high 10% fee to revive, but I also haven't felt like dying in a dungeon is a real threat (yet?).
That being said, I find I'm usually sitting on anywhere from 6K to 10K guilders, purchasing equipment without thinking too much, but then holding off on what feel like 'expensive' consumables (also because I've got a relatively adequate unused supply of them already).
Has anyone else gotten far enough or have more of an idea of whether money at some point becomes an afterthought?