Depends on how you want to play the game, some people fish, some craft, some farm (goobues for the moss and tree saplings or crawlers for silk) and others slaughter beastmen by the millions.
Can also camp NM that have expensive drops, (okote?) join an hnm linkshell, gardening gets good gil but you have to wait a few weeks. BCNM60 a Kraken club or KSNM99 a Speed Belt (good luck) ...buy it? lol