I don't think it was too clear. I can now get 22, even without overpaying by 0:
T1: play 5 coppers, spend coin token from baker, spend 6 on stonemason, gaining two nomad camps
T2: play necropolis, 2 nomad camps, and 2 coppers. spend 6 on stonemason, gaining 2 death carts, gaining 4 ruins, buy two coppers.
10 starting + 2 stonemasons + 2 copper + 2 deathcart + 2 nomad camp + 4 ruins = 22