With commitment and dedication it is possible to make adena with the content of the game, but at the beginning you do need to make some investments in money. After that is time, determination and knowledge acquired within the game.
edited: a big mistake you should never make is relying on other people's toon, because often they have top items that are not visible like forgotten 30, artifacts++.
You can, yes, observe other toons and study possibilities in yours, but respecting their gameplay and tests.