skills are raping my wallet.

[Blaaaaaaaah]

Money is only an issue from 20-29. As you get into your 30's you need more xp per level so you'll have more time to farm. By your late 30's you will have almost 200s+ in reserve.

True for some people, not for all. I certainly do not have 200s+ in reserve at level 40. Heck, I'm going broke myself. Of course, there are various reasons for this, but I'm just saying that so Pedobear won't get his hopes too high.

Money doesn't come in as naturally as it sounds. I am constantly broke from having to buy my armours, weapon and shield a long with all the cleric skills I need. You'll probably need to vend a lot to get to the point where you have 200s in reserve. =/