This is what you need to do, forget the HNMLS for a little while (ok for a long time), being a DRK is hard and can be expensive and there are so many intricate ways in which HNMLS's work that you could make gil depending on how the LS works. Most LSs work on a point system where you lot on gear that will benefit you to help the LS become stronger. An HNMLS may and may not be a way to become rich.
You need to invest that 90k on lvl 40 gear and do
Royal Jelly BCNM if you have 40+ beastmen's seals and have a mage(RDM works best) and a melee(mostly all melee work) friend. This BCNM is easy and if you are lucky you will make 500k+ in gil Utsusemi:Ni and Erase scrolls may drop, least I have made is 100k, so you can get your gil back from the gear.
Dont spend the gil on gear but on a couple of crafts,
read this thread for further assistance and encouragement on making gil on a craft.