Well at lvl22, just hope you get lucky for sos, OR grind, grind like the wind. Pick up all your drops. And by lvl24 kill horses for cash, the horses give off 4th degree SoS (armour) and 3rd degree weps (mostly blue), that should rack up alot of cash. And by lvl30 you should have a nice amount of cash flow. And you should be able to start buying low and selling high. (note: alchemy is your friend )
And the 3rd degree wep drop rate is very high! (they sell for I think I remember 22k, which means find 5 of those things and you just made 110k!)