The game economy is heavily eskewed towards endgame, causing mid-game and early-game things to be sadly overpriced, because people think in terms of what an endgame player has of money (I can say that my casual ass has around 400k floating around).

However, depending on how you level, it might not be as bad specially since you're a Conjurer, and your L1 Wand is as good as your L45 one and barely nothing that goes on your armor slots is worth it. But even on a melee job that depends heavily on their equipped weapon, you can get decent upgrades in the NPC stores so you don't need to rely on overpriced MW stuff.

And when you start levelling off of leves, you'll gather a fair bit of money as well.