I always treated starting money as separate from income in my head. In this game the rules states that you should use the “starting income list” to take starting money. If i remember correctly, there have been versions of axis where some powers have started with less money than their starting income.
If you don’t want UK to scramble during your amphibious assault, you need some Italian Bombers to raid the Airfield, and now UK have no change to repair it before Germany attack.
The rules are made this gamey way because the designer love the idea of teamwork.
Just bought the two 1940 games, and I definitely recommend buying the boxed games. It’s just a whole different feeling; opening up the boxes, setting up the pieces, etc. Really makes you more immersed in it.
New Guinea is after Greenland the largest island in the world.
The fact that Japan can scramble is a big advantage, of course. But if it gets to that Japan is in serious trouble. Then you need to hold out until Germany captures Moscow and Italy captures India.