Notes

Race Bonuses:

Human: -20% Development and Tech Cost
Elf: -15% Magic Cost
Dwarf: -1 mine cost, -5% Tech cost
Orc: After a victorious battle, morale is fully refilled. Max morale 120%
Gnome: -25% combat losses, -5% Magic Cost
Wilden: +1 population

Religion Bonuses:
Divine: +5% morale per turn whilst in war against followers of other religion
Pagan: -10% Legendary Unit Cost
Arcane: -10% Magic Cost
Demonic: Allows you to sacrifice 1 population to attempt to revive two dead units.

Focus Bonuses:
Economy: +3 income
Quantity: +1 starting population
Religion: amplifies religious bonuses
State: reduces morale decay by 2% per turn
Military: -20% unit cost

Rules:
Moneys are used to do things. Moneys are gained from: taxes(you can set tax 1-5g per turn per population, but every number over one gives you a -2% morale per turn)
trade(based on trade nodes, not pacts or anything)
buildings and developments.

Speaking of which, buildings:

Barracks: 50g: Improves melee units

Archery Range: 50g: Improves ranged units

Farm: 5g: +2 income, limit 2/1 population

Mine: 5g: a chance of finding a vein for +4 to +8 income, depends on terrain

Workshop: 75g: Allows you to produce Siege Engines

Shipyard: 75g: Allows you to produce warships

Fishing Fleet: 100g: a random +2 to +20 gold per turn, limit 1

Marketplace: 50g: increases trade influence of country by 10%, limit 2/country

High Temple: 100g: Gives you +2% morale/turn when fighting against enemies of different faith class

Inn: 50g: You can recruit Generals

Wizard Spire: 150g: You can create spells

Developments:
Each development level costs 5*level. Max level 10(for now)

Military development:
Increases military efficiency. Every second level, you can choose to unlock a new ship, unit or siegecraft tier.

Economical development:
Gives you +1 income. Every second level, you can choose to increase your trade income by 10%, gain a free mine or gain a free farm.

Administrative development:
Reduces morale decay by 0.5%/level; Every second level, you can choose to: gain a free +1 population, gain 1.5x taxes for 1 turn or lose no morale for one turn.