1) build 2 soybean fields so you can unlock an expansion after the first collection
2) build more houses, which give decent coin income
3) after the 2nd collection, unlock the shrine. Delete one soybean and build shrines. Depending on obstacles, you should be able to build 3 shrines. Once you build up a good bank of coins, rebuild a 2nd soybean field to rush for unlocking the gallery.
4) Unlocking the gallery opens up the market merchant, which is huge. You can immediately negotiate for 10+ of 3 different goods. You will likely be able to unlock 2 or 3 more expansions, and comfortably generate enough coins to support at least 2 goods buildings.
5) Don’t spend more than 8 goods on an expansion. Coin generation is higher in Japanese, and you don’t need as many expansions. By the 2nd use of the market, you probably have used all 6 expansions.
6) Work towards unlocking the houses, which are more efficient.
7) With 6 expansions, you have space for 4 houses, 4-5 shrines, and 4 goods buildings. This is around day 3, and with the help of the market, you are well on your way to finishing the settlement.
8) Keep track of how many of each good you need. There is no need to continue producing a good if you need < 10 and there is a good chance you can get that from the market, so you can sell that building and replace it with another.
9) The final quest you need to collect 10 of each good, and the market merchant can really help. When you are close to completing, leave the negotiations alone if you already have enough of a specific good. Once the dojo is unlocked, that negotiation can be used for the 10 collections of the good without ever needing the goods building.