It's annoying advice but I'd probably start an alt to grind up. By your 30's with a monk or pet class you can farm FS. By your 40's you can kill hill giants. Having an alt is fun besides the farming benefit. There will be times you want to play but don't have time to group or can't find one; that's where the solo class comes in handy.
If not a farming type I would just keep leveling up. Eventually you will be in groups and win some rolls. Just have restraint on not buying silly weird crap you cannot resell. You will eventually have the liquidity for your sparkle hammer
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