Realms:
You must at least be level 25 to fight in Realms or you will die very easily. If you are at level 20, fight in a group with your guild.
Easy money:
If you just started and you are a beginner, ask some of the people in your group that you start with for money. You might get some copper or perhaps even some gold. Note: This does not work if at a high level.
Armor without paying:
Find skeletons, and if you can, fight them. They will be yellow if beginners. You might get some armor or cloth.
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