Well personally, everytime I play, I beat Lich, then get the floater, then class up, then go to the waterfall and get the cube, then go to the water shrine and get the tablet, then get the chime at Lefein, then go to the floating castle and get the Adamant, and typically beat Tiamat, then get Xcalibur, then beat Kary, then beat Kraken. IN THAT ORDER. SO I typically never have money problems because I just go through getting tons of treasure before actually doing any bosses.

THE JACKEL