to be honest its all about how you manage your time.
As far as PVE is concerned I recommend devoting most of your time to high quality loot potential areas, and praying to the RNG gods. This means dungeons at FI or higher difficulty. World boss raiding has also become very attractive with the revamped drop tables. This game is very generous to those who have strong friends/guilds to do things with. Your 7 man runs can suddenly become 3 man runs. as you progress runs that used to take 3 or more ppl now u can solo.
Once you get ur first big break on a loot its time to invest. Merchanting on ch 6 takes a lot of time but theres not many better ways to turn profits than through positive trading. Crafting used to be a big money zone though now it has slowed quite a lot. Also good luck competing with all the crafters already out there. Once again if you find yourself with a good guild, crafting resources may become available to you.
Ultimately if you are starting from a low budget with a lot of work to do, it will take a long time for you to see any sort of significant progress alz wise. Unless of course you get very lucky with the RNG gods. The only shortcut you can take without getting help from others is to dump some USD into the game, but the majority of the ppl who I see do this get very short term gains without doing anything really positive with the alz they get out of it.
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