Finish all the quests and get all the useful items you don't have already (ex. Holy Wrench, Penance Gloves, Agile Top/Bottom). Then train all your stats to 60+, 70+, or 80+ depending on where they are now. After you achieve that goal, not only will your total level be pretty high, but you will probably know which skill you enjoyed the most while training. That is the skill you probably want to focus your next 99 goal on, when the time comes. This entire time, I'd advise you to farm. Not just herbs. Trees/Fruit Trees are great xp. It's expensive, and you may not be able to afford it, but at the very low end of the scale, acorns and willow seeds are cheap, and so are apple/orange/curry seeds. You won't regret training farming, you really won't.