It's actually very easy to have more than enough money to get your characters to 200 via the "Inheritance" trick. I did this on Cloud-side. It's a bit complicated, but very possible. First, with the default party (DO NOT yet make your actual party) go to the magic mirror and go to Rivercity. Save, fight, and load if you ever get overwhelmed or killed.
You start near the bank, which will turn out to be convenient, for right now deposit all your gems. Take the back road south of the bank to the River City labor board, where you should work for the money to buy Lloyd's Beacon. Go to the portal and go to Shangri-la. Get the free guild membership, and then at the magic guild buy Lloyd's beacon. Use Mr. Wizard to get back to Vertigo.
In Vertigo, go to the bank and withdraw enough gems to cast Lloyd's beacon at least twice, go to the portal, set your Lloyd's beacon there and go to Count du Money. There you will see a pedestal and 2 piles of money, what hasn't already been robbed from the back door to the dragons lair. Take them and cast Lloyd's Beacon, returning to Vertigo's portal.
Almost done, go to Rivercity via the portal, deposit the 1,000 gems and 50,000 gold. Then go to the labor board, and work until you're 100 years old, it won't take long. Check your bank, you should have around 160 million and 2 million gems. More than enough. Now, go to the inn, make your real party, and you are funded.