generally you should switch from high money jobs until youve built up decent money, pick magic job, and have high XP then when you start running out of money, switch back to high money job. use the highest XP items that boost you for best effect.
Oh, and another things, I found a visual error when I click the "next" button too fast while getting shown what budget/coins I get (when i go to sleep) and then when I wake up, the coin stacks are still there.