Below is a detailed walkthrough for locating the hidden caches in the major cities. Remember, these are fixed locations, so you can run directly to them once you know the path.

Upon leaving the village with the gold, you are faced with a moral dilemma: "Take the Money" : You pocket the cash immediately. However, this will instantly cause the Cossack faction to hate you and they will attack you on sight. "Prepare For A Fight!"