Indeed the best choice for your whm is just to lvl up blm(to 37) and whm up as fast and cheap as possible (note this isnt the same as having terribly crappy gear.), not spending an incredible amount of money on great pieces of gear when you can get something with 5less mp or 1 less mnd for 100k cheaper. once you have a job in the 70s it's alot easier to focus on farming for money and what not.
I started a fresh character a little while ago, had whm and blm to 37, rdm to 68 in less than 3 months. Though my account is currently canceled since I dont have time to play currently with a job and classes taking up all the time during my weekdays.
and a warning about goldsmithing... I had gotten it up to the 90s awhile ago, and it takes alot of gil to invest, and it is hardly worth it nowadays. your going to have to do a hell of alot of synthing after you reach 100 just to get your money back.
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