hahaha ... i've been on and off with that game for a few weeks now. i'm at 33% too, around chapter 2, but i'm at 25 hrs. :a:
all of my characters are mastered through 6 outfits.
to make some really fast cash, pay off that dude's debt on the airship. when you do, everything sold to you is at a real low price. you could then buy 99 of everything and sell it for a profit at the gullstore. i'm at 3 million gil now