As long as you can scrape by, probably with a little help to get to 80. I wouldn't even worry about gil. Also you might have spent 15k on NPC item but if you are in a decent FC someone probably could have crafted it if you have mats. They also might have the mats laying around if you link item. I have retainers full of items that are just barely over vendor price. Sometimes I just craft people the gear they need when hanging out at MB. It would probably only take a shout or two. And most mats have gotten dirt cheap. People don't seem to know what to do with all the desynth items. And it is too annoying to fight on the MB for a few thousand gil to craft it into something and sell it.



Once at 80 like others have said unless you need glamour,house,minion, or the shiny day 1 patch gear you will greatly outpace daily costs. Thats why people will spend 30 million on a new set of gear or 10 million on a new minion. They have nothing worthwhile to spend gil on.