I haven't even been playing this game 5 minuted and already I have discovered a major flaw in it. Weh you start in your Guild you make yourself a party. Well if you make extra members who you don't need you put them in your party and leave one at the top that stays there no matter what.
The you pool all the money from the other characters to the one at the top then delete the others, then you make a new set and repeat. Keep repeating this and you will find that you keep making money. Once you have enough money you put your original characters back into your party and set off on your adventure! :)