Ragnarok requirement level

[-Perception-]

[...]
While it is true that most players at that point do not have high-end gear, if we're talking about people who just got their first character up to 39, those same people will not have gotten much better gear at level 50, simply because of the investment required for it.
[...]

Now please tell me how to earn money on ragnarok.. 
(Legendaries dont count.)
You can earn a lot more cash on hard mode via drops, so basicly, if youre not as freaking unlucky as I am, you will most likely have enough cash to afford a SHC after playing hardmode til level 50. Then again, I couldnt care less about the level cap..