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Hi, I'm a newbie here with limited knowledge of database design
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I don't blame you, but knowing that you are a newbie and that you have to deal with millions of rows of financial (that is, very very important) data, you should IMO tell your boss that he NEEDS to hire someone who KNOWS database design. I don't say that you can't learn how to do and that we cannot help you, it will take months before you can design database schemas correctly (and knowing why), enforce all needed constraints and optimize data access / batch processing for so many rows... Furthermore, you are on your own ! With someone having years of experience beside you, it would be : much quicker / much better for your boss and much quicker for you to learn.
As for your question, as it already has been said, you should never had even thought of "tens of thousands of tables". Never EVER, even in your worst nighmares

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That being said, if you want us to help you with your design, please be more precise on your needs : entities and relationships (as you think they should be for now), fields, other constraints...
HTH & Regards,
rbaraer