Depending on your dedication and how you want to manage your characters progressions, id just tell new players to farm lvl 50 dungeon, it offers both silver and gold bars which you could sell to npc for 30/50k each
Other valauble mentions would be boss cards(dropped to around 50k each on my server) and sapphires, sapphires price goes up and down between 50 and 120k, i usually sell sapphires around 80k each, with 30% tax would still give around 55k each sold. on market.
Any lvl 50 can solo 50 dungeon, just find some Pardoner with decent SPR gears and get the Blessing, Sacrament buff too if you want., Z button boss a few times.
Time spent each character: Less than 10 mins to run it 3 times with each character, so it will be even shorter without token.
Its not hard to reach lvl 50, so its easy to farm 50 dungeon with multiple characters for some early silvers.
Even that i got chars capped, i still let my low lvl alts farm 50 dungeon, in the long run, its alot of silver, some of my costumes comes from farming 50 Dungeon.