European char's farm gold easier than Chinese. Since they tend to be extreme on either end of the spectrum you can select a Wizard all int build, or a Warrior all Str build, on the warrior you will want to go with a sword and shield, with heavy armor.
With the wizard you should keep your staff as high a level with as much + to it as you can find/afford. At this time it is not necessary to work on many skills or farm for sp's. T
his is to get you started so you can afford what every build you wish from either nationality.Getting to lvl 20 is easy with a wizard, no questing needed, just fight mobs 1-2 levels above your currant level. At level 19-20 go fight Polipemos (level 15 mobs) and form a Party, Exp Autoshare, Item Autoshare with a few others your level.
You should even as a mage be able to take these party mobs that have excellent drops, equipment, money, and Elixers. This should supply you with a good source of cash in which you can finance your other char's.
Leveling is not the object, in fact if you can "die a few times" to stay level 20 it's not a bad idea since once you level to 21 you can't use the teleport system to return you back to where you last died, or recalled from.
You can repeat this with a second Wizard in the matter of 2 days. Obviously if this is your first time playing SRO it could take longer. A list of mob levels and locations is
here