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-normal equipment
-normal green equipment
-normal blue equipment
I only keep socketables/gems, uniques, and blue set pieces around my level or higher.
My gem strategy:
-collect any 3 element gems (fire/ice/electric/poison) that sell individually for like 160 gold
-transmute gems in sets of 3 into hopefully mana or health regen keepers
-sell the transmuted duds (execute%, range, etc.) for like 400 gold
My set piece strategy:
Transmute blue "meh" set pieces in pairs into (hopefully) a decent (stat boosting) set piece, otherwise sell them.
Toss spare/duplicate uniques into the shared stash for my other more poor toons to sell.
For a directe answer, SPEND your gold now. In my opinion the only thing that matters is your final build and it's faster to reach it spending your gold rather not. The amount of gold you are saving now is ridiculous compared to what you will have to spend at the end. At the same time don't waste too much time sellng trash item, managing your storage, item stransfer etc. There is a point where you should set "item display" to rare.
One effective way to increase your income is to progress in the game.
I wouldn't care farming good blue sets rolls until I reach the highest level requierement.
And once you reach final levels you can start farming gold via Beast Challenge.
Portal Beast Act1 Frosted Hills (Any NG) (Ignite the things challenge)
Or "Lava challenge" via Beast Portal (Act3 Sundered Battlefield) (Any NG?)
Lastly there is a guide in the guide section of the hub telling you how to farm gold effectively.
Most interesting part explains you how to farm with Phase Beasts.
https://steamcommunity.com/sharedfiles/filedetails/?id=226334276
Gold is more scarce just playing along in un-modded vanilla, following the various quests/sidequests just once. I typically re-hash and re-do side quests and always phase beast challenges to not only get more gold for stuff but to build up levels/fame.
I figure the gold won't last long though as I'm Always tempted to go Duros gambling for something unique for the other classes I play. I.E. I take my Berserker shopping for embermage armor gambling because he cannot equip the unique restricted embermage stuff and it helps to avoid spending lots of gold on cr@p.
I have tried analyzing the money numbers/etc. to maximize my gambling because there's nuthin worse than throwing 5k gold at Duros for a green level piece of sh!t armor with 4 sockets instead of some awesome unique set item.