I recommend learning to flip, easy 5% profits every 4 hours or so, I quite like to do it on my less fortunate main since i don't have enough cash to merchant with [not that i would, with merchanting being a massive stab in the back business with headless chickens for leaders] so. i say flip, its really not difficult at all. Oh and, if you wana buy armor with that 22m, i say go for a ss if you don't have one, since you already have some armor sets.. go for a bgs or ss. hell, bgs are only 16m atm, might still be dropping..