Start a new character (a female wizard works the best). Sell all of the items that come with the character. Go to where all the level 1's train and steal their items as they die. Sell these items and repeat the process. When you are ready to exchange the gold, go to a secret location, such as the graveyard in town 3. Get both characters in the same location. Drop the gold with one, quickly log off, and log on as the other character to take the money.