Are you intending on playing the game long term?
If so, I recommend investing your gold.
Perhaps place buy orders on T6 materials and use them to craft legendary weapons, which you can sell for a profit.
Then use that to build and invest more. Many "achievements" do just come down to wealth acquisition. But there is an aspect of make your wealth work for you in this game. So it's better as a beginner to invest early. But remember that bonuses (gold drops, karma, experience et al) come as you go through achievement milestones so don't go overboard.