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Most of the people that have 8 figures sitting on them are the ones that have linkshells that sell high level gil to other players for ridiculous prices.

However, for more free will and easy going players such as myself, our options can look rather limited to farming, but there are numerous alternatives and other potential money making opportunities to utilize along with farming for maximum profit output.

Although more difficult with deflation and the ever going trend of undercutting, keeping a close eye on particular markets and taking advantage of "dry seasons" can prove quite worthy. Look at what you're able to produce and make yourself a watchlist and check on where they sell the most and most frequently and take advantage to the trend of desperate sales and controlled supply. Knowing when to buy and when to sell makes all the difference.

Also there are plenty of potentially profitable BCNMs and KSNMs to partake in. These are not even remotely reliable for making gil but the potential exists to make it big such as obtaining a Peacock Charm or a Serket Ring, etc. It's like playing the lotto, it's unlikely to win but you have a 0 chance if you don't play.

Be sure to partake in ENMs that can potentially drop a rare but relatively expensive item every 5 days. All you need is a group of friends willing to partake in this and it can prove equally profitable for them as well. Shouldn't be too hard to twist some arms. On the same basis, use some skilled group of friends to take down some sky pop item NMs and sell them to those who wish to patch up loose ends or get that extra pop in.

Hope this helps~