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Granted, leveling crafters takes time but once you’re done you’re pretty much all set. To be more cost effective you could also level your gatherers so you could gather the materials needed for your crafts instead of buying them for a lot of gil on the mb.
Crafting gear is a bit harder since generally you have to be high level and you have to have a sufficiently good gear and hq materials in order to craft HQ items that actually do sell well.
But you could also craft housing items, starting from around level 20 (at lvl 50 you’ll have access to most of them anyways) and the good thing about them is that most crafts don’t really require too much investment and you also don’t have to pay attention to quality at all. Popular housing items mostly sell for from 30.000-150.000 gil which is pretty good considering that most items are pretty much free to make especially if you gather the materials yourself.
You could also sell Hq ore or logs etc you gather but that’s pretty grindy and it’s not really worth in terms of time investment - profit imo.
So... goodluck.
Note that there's going to be a large initial investment of time, effort, and gil to get this all off the ground, it'll take many hours of hard work. Ishgard restoration can get your crafters to 80 quickly, but it's tedious and grindy. I hope you have road to 70, because that cuts down the required work immensely.
The low effort way to level crafters and gatherers is beast tribe quests, they're almost effortless, but nothing like as fast.
Once you reach 80 on them, you need to first get bis gear (if you can get someone to craft it for you, the cost will be modest, probably <2m for all gathering and crafting gear), then you need to pentameld (crafter gear at least, gatherer gear doesn't require min/maxing) which is where the real cost appears, I spent several million gil on materia (though prices were inflated for an upcoming patch at the time).
Once you've eventually managed to scale the fairly high barrier for entry, you basically have the ability to print money.
For stable gil between patches, food, potions, and housing items are in pretty steady demand. People burn through a lot of all three once they reach endgame.
The real money is in the feeding frenzy immediately after a patch introducing new gear though, in only a few days after patch 5.2 I made something like 25m gil from selling the new neo-ishgardian gear (prices were as high as 1.3m per item when I started selling, though within about 3 days they were down to around a stable 300k, price of making each piece was <100k, massive profit margin), I could easily have passed 100m by now, but after a certain point gil stops meaning anything so I couldn't be bothered.
2. Gather
3. Run the endgame maps
4. Play the market (buy low sell high on in demand items)
5. If you are crafting/gathering high value but low demand items get some more retainers ($1 each per month so you have more "shelf space" to sell on the Market Board.
A few examples could be: housing (buying a house is expensive enough but getting furniture if you aren't crafting is even more expensive). Getting gear, materia for it or just getting items for glamour purposes.
Leveling crafters or other jobs in and of itself is pretty expensive as well... just to name a few examples.
the hardest part was getting a house anyways, not getting the money for it :)
But to say there isn't anything to spend money on is simply not true.