How would you build a character?

Normally this is where I'd get down on the floor and do a literal ROFL but no, you could have 1 million @-cash and maybe make an excellent character with much luck. I guess the question now is whether you're prepared to see the true horror of building a character in MapleSEA and my limited budget solution based on the goals I aim for because boy, do I have some juicy stories to tell!

Guess I'll add Option #6. 25b / 1m @Cash.