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You'll need more. The skills are going to cost you, but more importantly is the armour. You'll be short on cash in your 20's often so there is no helping that. Come your 30's things slow down to a crawl so money isn't a problem then. I have 150s saved at the moment in anticipation for level 40 skills and equipment. I can earn about 50s if not more at my current level as nobody wants to take a fighter with an axe, leaving me to grind solo off of monsters.
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