General

No refunds store credit only

I pulled this from a much longer guide I wrote, just pull the info you need from it:

[b]Items to think about having eventually for end game:[/b] (This may prove to be expensive, but I will post the affordable equips after]
-Chaos Root Abyss Set [Hat, Top, Bottom, Weapon]
-Tyrant [Glove, Shoes, Cape, Belt]
-Sweet Water [Glasses(Eye), Tattoo(Face)]
-Superior/Reinforced Gollux Set [Ring, Pendant, Belt, Earring] (if you use Tyrant Belt, you would have to use NX to purchase a pendant slot to equip 2 pendants to get the full set bonus]
-Rings [Since the Gollux Set takes up a ring slot and unique equips, you can pretty much get one of each Gollux RIng, if not Lightning God Ring for the best stats]
[b]Note:[/b] This is the generally ideal set but by all means you do not need to chase this as this is VERY expensive.

[b]Cheap but Efficient Equipment Guide:[/b]
The CRA set is a couple hundred mil apiece but there may be some pieces out there depending on class for a couple mil. If you cannot get this, you can try to buy the empress set for the bonus effect stats. Personally, I would say save your money and at around 140, you can grind at the higher leveled monsters in Leafre or the Pirates in Herb town. They drop the new level 130-140 set which gives a set bonus as well. If you take this process, you can save your money but slowly increase your damage. These level 130-140 sets are also tradeable so you don't need to purchase use SoK or pSoK to transfer them character to character. Next I would try to purchase cheap solid/reinforced gollux pendant/belt for small range increase. If you hunt bosses, easy bosses around be Zak/Horntail/Hilla/Magnus/Ranmaru in the easy/regular modes(you can do these twice daily, bring a friend if you must), I wouldn't attempt harder modes until you're geared and much stronger. The bosses drop accessories[Eye,Face,Ring,Earring,Badge, etc.] that also have set equips. If you find some Epic / Unique accessories, you may make a quick buck. Remember, though you won't be getting rich fast but patience is the key.

I would spend the money to grab your end game stuff
Fafnir Katana
Cra Armors
Tyrant Cape, Boots, Possibly belt (ill go into that in a second)
Your accessories will come from Gollux
Earrings, Rings, Necklace, Belt
You want the 4 set from Gollux, but with the help of nx you can run double pendant and not need gollux belt
Reinforced Gollux is the most cost effective version, but you can opt for superior for extra att.
you can get emblem from boss arena and badge from the ghost ship.
Gloves could be Sweet water, High Quality Dimension Gloves, Tyrant if you wanna go that direction but most just dojo for the gloves
you can get a pet that raises your att and android heart can be scrolled as well
After that stock up on spell traces and Clean Slate Scrolls and and start scrolling!
(Gollux has its own scrolls tho)
If nx isnt a problem then you should be good for cubing but i would wait.... I feel a Miracle Time in the wind.....
Not sure if im forgetting anything, but im sure someone will fill in the rest. Good Luck!
Just be prepared for an uphill battle. Hayato gets expensive ^^

Well first off welcome back! Also you should get the normal equips for end game, like the Root Abyss set, tyrant cape, tyrant boots or nova boots, gollux equips, and also dont forget your ghost ship exorcist badge. And with the new scrolling system/ starforce its really easy to use. You use spell traces to ecnhance, which drop from any monster and ar usally cheap in the FM. Then once youre done scrolling it just enchane it to atleast 10 stars. Also 5B may be enough for some decent funding for a Hayato...but i could be wrong. Anyways hope you have fun and wonderful day!