By the way if anyone has added me and is having money trouble, I stumbled on a little trick that can be done if you have a merchant lv 11 (or if you have me on your friend's list and ab-link me, then you can borrow this ability)
Merchant has an ability called Big Pharma
Knight with defense gear/defense+ job traits, anyone with blessed shield (Preferably whm since more mnd = more heal), merchant with heal lore equipped (from salve maker), DD.
1) Have all but your knight in critical HP (easy to do let them get ko'd and just throw a phoenix down on them)
2) Find an enemy that only has single target physical attacks
3) Make sure your DD doesn't do more dmg than your merchant can heal (equip a wep weak enough, and yes watch for crit dmg)
4) Knight defaults, blessed shield char heals knight, merchant uses Big Pharma on mob, DD attacks mob.
5) Auto battle (re-inputs commands); make sure battle speed is max
The more MND your merchant has the better (mnd gear is a plus) and keep them with speed traits/agi gear (You want them to go before your DD). DD attacks mob. Merchant heals mob. Mob pays you the same amount you cured it for. My current build has big pharma able to heal around 1,700. Regular attacks from my DD are doing around 1k and critting around 2k. So I'm making 1-2k pg every attack round. Put it on auto battle and went to sleep. Will find out how much money I've made in a few hours. Going back to sleep; just woke up to take a piss really, but the battle is still ongoing. The knight is using protect ally since everyone is in critical damage and taking all the hits and being healed each round. DD damages job, merchant heals mob and collects pay.
I found myself grinding money anyways with exp turned off, so same thing rly; just w/o me having to be running around the entire time (as I also had auto battle on for grinding while I just watched anime and held the analog stick down)
Unrelated, the whole Ninja quest and its related story was about the most awesome thing in this game so far (Granted, I'm still in chapter 3, but yea)