Nah, you really don't need any money to start out with. No way to get it, anyhow--no trading system or storage, like in Maplestory.
I find now that I always have TOO MUCH GP.
The gameplay is like Lunia meets Maplestory with a Kartrider interface. (Seriously, the font is even the same)
You're free to move around however you want, perform your skills and attacks, and evade if necessary. It's easy to go through dungeons without even getting hit, if you play it safe.
As for starting out, that's your opinion.
Kudaranai: I was on the subway and this man just PEED