I only keep what I need and thats it folks.The rest goes to my townmates that need them.Hording is selfish and non productive for your town.Think about it help now or help later when it probable won't matter anyway.
To each is own on how they play the game.
I have some worlds where I try to be able to do every job possible.
I also have 1 character that has a goal to get one of each item... as I want to try to fix a Google spreadsheet to show the best combination of items to have for every job.... but with pants coming up that will throw it out of whack.
on w4... my level 30 character has $15,175
now my old w4 NPC "Jim Bowie" lv59 character had an inventory worth over $150,000 easily lol