Hi again, well i will be honest with you. Trying to farm in game even to equip one char will take you 10 years and this is not a joke. The game now starts @ 105, but even so you need gear to farm in any decent place. For example my Feoh ( 107 lvl ) can barely farm effectively in Storm Isle ( 40K / hour ) . That is with generally low gear ( +10 Bloody Robe , +14 Bloody Weapon , Bless Valakas , Abudance lvl 1, lvl 5 Forgoten Skills, lvl 4 jewels etch ), even so this gear is around 200B, and still very hard to solo effectively. ( For example a Good geared Feoh can farm 200KK/hour , but this means Gear worth around 800-1000B .
IF you want to be casual player, you can start with either a +12 pve weapon, or a Enchanced shadow Retri, Normal Valakas or Istina Wizard, QA soul and Baium soul, Orfen soul and Antharas . What ever you add in your player try to increase your Magic Critical damage, that is the key in Feohs.
PS : Prestige is decent boost . even in AFK you can gather around 150KK/ Day in Hellbound.