Is easy, get this question all the time, people ask: am new, how rich.
I say: 5 basic steps. Follow these:
1) Get 25 million adena
2) Use it to buy a premium account
3) Make a second char
4) Open a second window
5) Invite the new char to party
6) Go to remote location (where nobody can see you)
7) Drop 1 adena to the ground
8 ) Pick it up
9) Both chars get 1 adena
10) ???
11) Repeat until rich
Just don't forget, it's illegal, so try to do it at night when police sleeps.
OR, you can just level to 20 as soon as possible and start farming those event items (they start dropping on level 20) - it's basically the fastest way of getting adena for newbies. The sooner you get to 20 the better, you can farm it with basic NG gun and still farm up for top D gun in a day. Sure it's hard now but you're going to equip up in no time.