I generally have 2 times when I fast travel. If I'm trying to speed something through. Ie. I'm going out in half an hour and want to finish the quest and have travelled along the path before and already explored it. Although usually don't use it for that reason. Other time is if I'm fully loaded...
I have 50k and I managed to get about 20k from smithing having starting off with about 1,000.
I bought all the things I needed to smith from both vendours in Whiterun. Then I smith the items and sell it back. Because you started off by buying the items from them they'll each have more money...
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