Yup, #1 cause to being broke, leveling too fast. If you take your time and enjoy the other faucets of FFXI, money is never an issue. While doing tons of quests, raising your rank and fame, you will make more then enough money to suit your needs.Tsybil wrote:Of course if you level FAST, money will always suck.
Also another dumb way to end up broke is to buy quest items from the AH. These items will almost always be more expensive then the quest rewards. Get off your tail and don't be lazy. Find the items yourself.

Also never ever buy spells from the AH. 75% of the spells in the game can be bought from a NPC for cheaper then the going AH rate. Also many armor/weapons NPC merchants have cheaper goods as well. In addition do expeditionary forces every week. The CP will save you in the long run so you don't have to buy overpriced CP items from the AH.
The real reason why people are broke is because they are lazy. Instead of doing the footwork needed to obtain their needed items for cheaper (or even free) they allow themselves to get ripped off at the AH. They then whine and complain about how SE and FFXI sucks because they have no money in the game and defend their "rights" to buy gil. The problem is not with the game but the people in it (who set the prices). It's your own fault if you buy the overpriced items and you contribute to them being overpriced in the first place.