General

^ thats a third of a year..

If you guys got to the point where you could train at ToT, you can just loot the meso bags and within an horu or so you would make 1m. now multiply that by the days you play, if you play for 100 days you get 100m+

if you don't know wth to do forget merching, you will suck at it terribly.

craft and sell items.
or loot mesos.

There are 2 rules to success:

1.Never tell anyone everything you know.
2.

Don't know the market in windia, but in Khaini I can buy 20m chaos scrolls and then resell them for 27m easily. Nice 7m profit and easy to merch.
Go for MMBs if you would like as well. Buy them for about 1-2 mill less than the standard price and then resell at night.