100 Million at level 15

I agree with the first post, since you're new it's risky to be messing with flipping I think. In ideal circumstances, you don't want to just have your mesos sitting there since it's not like they accrue interest. So once you're more accustomed to things and have plenty of NX to constantly owl to see margins then you can start going into this. But... it's probably better to leave your mesos in storage for now.

As for investing into gear, it really depends on which character you think you're going to play on the most. Don't prematurely invest into weapon attack gloves, when you realize that you actually hate attackers and love being an overpowered mage INT gears are a pretty safe bet like Akash said, since it can be a two for one, where it helps you wash AND helps your mage. But, decent INT gears do also tend to be pretty pricey.

• Weapon (aka wooden wand)
  • Primarily used for washing
  • Used by a mage till like Lvl 30 and becomes pretty useless to mages
• Shield
  • Great two for one
  • Much more expensive than 100 mil
• Cape
  • Great two for one, but there's different level ranges, so you might end up investing in a lvl 50 cape and not be able to use it early on for any character
• Bathrobe
  • Great two for one
  • Much more expensive than 100 mil

So with regards to INTs, I'd probably wait as well xD Most of lower lvl leveling can be done piggy backing off your base INT, unless you're going for some crazy HP values. Which even then, you could technically off-set with more MP washing.

My personal suggestion would be to diversify. With just over a 100 mil, I don't think you should be all-ining your mesos on ONE item. Since when you hit Lvl 50, you should get a Zak helm. So you want to leave some mesos in reserve to afford that. It's also not a bad idea to have some reserve mesos in case you decide to buy leech for the very annoying levels (prbly 68-70) and maybe (118-120).