So that's 9 of the 20. Add in 4 for prestige, 1 for skill, 1 for lord, 2 more for council positions, 2 for a guild (1 or 2, can't remember), and maybe 1 for hero death. That's 20 or 21. Doesn't seem all that hard to get. You can sub out a couple for the various ruler fame points and still get there. Family gold isn't that hard to get.