Okay, taking your bait here. I was not baiting you btw, I was actually trying to figure out how to fill 2 retainers with current materials when I fit them all on me as a lvl 60 grandmaster of the hand/land. The Only HW item I have placed in my retainers is thav silk. That is just there until I get enough to use them.
First I sell the extra felts I make. I desynth 100 or 200 NPC items a day for various things as my desynth skills are 175+. I do not keep extras lying around. I sell leftover felts for 25k each now in stacks of 5 or 10, I used to sell them for 200k each. I make gathering and crafting gear from them and sell the rest. The same goes with anything I mine up. I mine when I want to make something and do not feel like buying the mats for it, maybe keep a few nuggets/ingots of HW mats in my INVENTORY, not on a retainer. I will either use them or sell them by the end of the evening. Everything you could possibly need to craft HW items fits on you, but you said you have them on retainers. That is not using them it is storing them.
You can buy skins for 2-3k each and make your leather, the people that buy those 30k leathers usually hand them to a crafter to make something for them lol. Also, I am unsure why you are making HQ 1 star mats, unless you mean you are making HQ mats that are currently used for lvl 60 1 star recipes, in which case I am still not sure why as they are easily HQ'd with NQ mats with melded gear. If you are speculating on the next set of recipes, I wish you luck, otherwise I am sure they will sit on your retainer forever and that is a pity.
As for my friend, she makes that much gil a day from selling gathering materials. I have not inquired about her crafting and other sources of income. She had stacks of items like volcanic rocksalts, dez tomatoes HQ, steel ingots, rosegold nuggets, food out the wazoo! All stuff that she had planned to sell or use at one point but then just never got to it because she was always getting other materials to sell. Some things sold as is, others I quicksynthed into stuff I could liquidate. Some shit I even listed on PF and sold bulk.