F/P in need of help

Well, the thing is, I'm more afraid of how much damage I'll take training at higher level monsters. ._.

You'll have to train on them eventually. Skeles hurt by 3.6k, sharks hurt by 2k.

At DTs, the only trick to avoid is tele cast. At ghost pirates, they don't attack unless you're far away. Unless you're hugging things, you shouldn't be losing too much money. NLC has really helped magicians so magicians before your time has had a much harder time afford overpriced pink elixirs.