Tistann, my captain in Lord of the Rings Online managed to accumulate a whole gold by level 24.
They must have tuned the game some while I was away, because none of my higher level characters are anywhere close to a gold.
And that picture was taken after I repaired and bought my level 23 and 24 skills.
I won’t be rushing out to buy a house any time soon, but I might be positioned to buy a mount at some point around level 35!