Hm, think I recall you said you don't want to make an alt account to hold your stuff/zenny. In that case, do you have any friends with whom you could trust your excess zenny? That way, before you rebirth give the zenny to that person and once you do rebirth, get it back.
Your high wizard and priest are ideal farming machines for the low TI. I think you should utilize them for that. It can be boring, but hey, easy money if you do the low TI twice a day (via reset stones, think you read some of my posts on that).
Your blacksmith is in range of grand pecos and goats (goats could be a bit of a problem tho if you get swarmed since they assist each other). The pecos drop wind of verture and mastela fruits. WoV is 9k and mastela is 6k each. Up to you if you want to use them or sell them.
The goats drop all kinda of herbs (most notably blue). I usually take an hour every week to farm them. In Alberta you can get free blue pots (well, 2 blue herbs and an empty bottle, good thing the goats drop bottles, yay. The NPC for that is in the merchant guild. Enter the building and head down into the portal. Think the NPC is named pharmacist or something.) for your priest or wizzie to use in TI. You could also sell them to other players.
Best map for goats is juno field 11. You can either kill the maneaters or avoid them, your call.
I'm sure I don't have to remind you to pick up everything useless and sell it to NPCs with overcharge.
With the above you won't make 100 millions in few days, but 10 mil per week sounds reasonable with 3-4 hours of playing time every other day.