Not enough Gold to pay Upkeep Question

[Mardagg]

What exactly happens then?
Assuming,which I dont know at all, troops are deserting then,which ones desert first?

[Norfleet]

I think morale goes down, and the ones that desert first are the ones with the lowest morale, but it's otherwise pretty random and you aren't told which ones do.

[Tricon]

Low morale units go first.

Kill off weak units in "senseless" or "harrasssing" battles to avoid some nasty surprises. (Like loosing 8 elephants -as arcos- one round before you attack a big opposing army.)

[Liadran]

How much gold reserve you normally keep?

[Arryn]

None. My monthly expenses never exceed half of my monthly income.

[Kristoffer O]

Deserters are random ,but sacred and upkeep free troops never desert.