I'm really struggling to understand the retirement system and how it can benefit my future Starmourn character.
I have a character in Achaea; and I've been grinding levels and learning about IR's MUD systems - but I don't seem to be accumulating any credits to put towards retirement (according to "RETIRE VALUE"). It's my understanding that I can also purchase credits from other players with in-game money; but does this count towards the character's credit worth? Is it only unbound credits that count towards RETIRE VALUE? I currently need 991 more credits before I can retire. I'm also level 24 at this time.
I'm trying to simplify the whole process into a "Do X, receive Y" type plan. Should I be focusing on accumulating gold to simply buy credits from players for retirement? Grinding levels? Am I in the wrong game for my intent? What's the best use of my time to be of benefit to my future Starmourn character?
TLDR: What's the easiest and fastest way that I can accumulate credits (in any of the current IR games), so that I can retire the character and transfer the credits to my future Starmourn character? (Not including buying with real money)