Congrats on that gob 20. That's one of the best smalls in game, hands down. Take it slow, and save up while upgrading. Housing furniture can run several millions of Gil easy. Be sure to buy the Choco stables from the housing npc, and NOT the market board. It's 125k, and there are two housing NPCs that sell it and other basic stuff. One is INSIDE the lobby of the apartment building. Other should be at the opposite entrance to goblet.