It depends what method you're going to use. And I don't calculate farming in hours or whatever because it only takes 10 minutes MAX to do a farm run every day, which is about 120k. (magics and palm trees).
Great guide; I appreciate it! Have you achieved the 99 yourself?
Also, obviously everything is dependent on the player, but approximately how long do you think the 99 takes? If the player is doing farming rather frequently?