I only have 1 character , a male Assassin. Although i've done most of Tyria with him aswell.
I can honestly say that I have never truely farmed before. Not that I could anyway


I am signing #1.
First thing I went for were the good weapons, I saved my ass off for the 1-19 stage, and at 20 I had enough to buy full 1.5k exotic and a set of Zelous Dragon Scythes of Fortitude which I am still using.
From there it was all uphill, each few missions and explorable areas rake in about 1.5k in random merchant fodder, not to mention getting masters. Yet, I still saved every penny. Once I hit Levi pits I had enough to buy my 15k Luxon set, about 115k worth.
From there I got into pvp more, cashed in all my faction for jade which can make you roughly 5k every 1hr 30mins.
Then I started in Tyria, where I was immediately ran to ToA by guildies, thus began my FoW days. While I didnt farm the place, I did it alot. Every spare few hours I had was spent in FoW , not farming, but clearing the entire area as intended.
So with the money I had gathered from there + the shards , I was slowly able to peice together my FoW set.
Now i'm horribly poor, as my heart lyes in pvp, and all faction points go straight to the guild.
Oh, i'll restate, I have only been playing for 4 months.