There is no easy way to earn cash really, its just selling whatever extra junk you have from ambushing. So just keep hitting up those ambush points and sell whatever you dont need. Exp, Gear and Cash all in one go.
There is no real "best" starting party as it depends if you know how to use the classes or not. Though the "basic" starting party in Exp Inc games are generally
Fighter, Knight, Samurai
Cleric, Wizard, (Dancer / Ninja / Ranger or another CLE / WIZ if you really want one)
Basic info on Class Changing.
- Your level will be halved after Class Changing.
- You only can Class Change up to 5 times per character on a playthrough.
- Get a Job to at least Lv 13 before Class Changing so you get the Skill Token (Additional Skill Slot to equip other learned class skills)
- Class Changed characters get a bonus to their HP and MP so will have more HP / MP than a character who has not Class Changed at the same level / stats.
- It costs $$$ to Class Change. I forget if the cost increases based on the characters level at the change or the # of times they changed. Think? It was level based.
- You do not need to Class Change to beat the game. It is perfectly fine having a non Class Changed party. Though having characters who have Class Changed can make things easier.
Purpose on Class Changing is to learn skills from other classes which can be equipped in your skill slots. Like having a Cleric with Wizard spells, Fighter with Ninja Skills etc. You can check your skills / descriptions and level reqs at any time on the Mastery screen? I think, if thats not it am sure you will be able to find it on your own.
Giant wall of text, but stuff you should know in regards to what kind of options are available with Class Changing.
http://www.neogaf.com/forum/showpost.php?p=202184003&postcount=518
When making characters keep all of this in mind, also that if you are new to the genre, you will want to make characters that have at least 2 Life Points. The lower amount of starting bonus points doesnt really matter too much as you can make up for that with equipment and the spell buffs in game.
One final tip is fill out your guild a bit with standby characters as they gain exp and small amounts of $$$ while you are gone. While it isnt much its better than nothing.
Oh yeah one more important thing, is the items in the shop they are limited so pay attention to the stock. The numbers under the backpack item represents how many you have. The shop will not restock in a single playthrough.
Also Rare items. DO NOT SELL or THROW THEM AWAY. Reason for caps is literally you will have no way of getting them back if you do that as they only drop once per playthrough. The shop keeper will tell you the same thing if you ask him about it. How do you get better stats on a rare item will be explained next.
You will meet a talking treasure chests with arms called a Mumic. By feeding it rare items from your inventory that you want to try for better stats, the Mumic makes the item able to re-drop from chests again. The problem is you need to carry the rare items on hand as you are unable to access your storage vault while in the dungeons.
So basically for example
+2 Bishoptls Hammer
Feed to Mumic
Ambush, Defeat Leader, Obtain Treasure Chest
+7 Bishoptls Hammer
Though the chance of the item becoming worse exists too. Which means feeding the Mumic the same item again. Mumic also appears both at random and from the static enemy points on the map. So its not like you will be able to call it up manually whenever you want. Which is what makes having to carry around the rare items a pain.