Did you truly optimize everything though?
No cycling is needed to be done in chapter 2 tbh. Better to save up shards to buy stuff in chapter 3.
Imo it's best to get 2 Handseals through childhood. Then in chapter 3 train one day to increase by 1(this can't increase skills past 3)and use one skill book to reach 4. Now if you have all 4 direction seals you can get the Planetary technique to get +1 in handseals reaching 5.
Its also worth mentioning that the most optimal first action in chapter 3 is to hunt for soul treasure first as the AP gain from it will decrease each month. For this, counting the Handseals, I get 3 athletics and survival. I will let the amount of AP you gain from it be a surprise for those who don't know.
After that as many days as you want should be spend on earning funds(unless you also wanna train Jin/Kosuke/Rin). One thing to remember is every 2 months you get 1 chi back so be sure to make use of a hand seal to earn more shards. You have to keep atleast 4 months to keep the element option unlocked. Also remember to go to the library to get the buffer barrier and some AP(It's a max of 3 lore check, 1 can be gotten from earth element)
Of course you might have already done all this but I just wanted to put it out there just in case.
Btw you can get 70+ gold in chapter 4 from the old lady if you max out compassion.