I have a level 56 Spearman and want to play late game as a DK, but I've had no INT gear for all those levels and have been missing MP for HP washing. Should I make a new character and use funding from my current character (a few hundred mil) for int gear and such? Or should I just get it for my current character?
for a DrK to hit 19k by level 150, you'll need to wash 9k worth of HP or about 173 washes. One wash costs 4 mp so you'll need 693 spare MP to convert. If you were to pick up a zhelm (15 int) scrolled heart wand (~9 int, from king slime event), 14 int bathrobe (1 10% and 9 100%s, should be ~100m) dep star (5 int), 8 int cape (60% scrolls are like 2-3m lol) that's 51 int. you have 4 base so 55. Add 25 base over the next 5 levels, that's 80 int total at lv 61. That's (8 mp per level * 89 levels = ) 712 spare MP to wash with. Easily still hits max HP by 150. You could technically get away with less than this - you pick up natural washes at each job advancement that I didn't account for, I ignored 5 levels while you're adding base that you might have those equips (56-61) and I used a high number for the amount of washes you need to do, and a low number for your expected HP without washing. TL; DR no need to start over.
I started at level 125 lol. I Reset ~80 points into int and got about 40 int in equips. Wasn't the best play I'll admit, but I got to where I needed to be.
If you meet some nice frens, ask them to lend their Int equips. It'll be a rough road ahead since you don't have the funds to properly get Int equips so if you don't find grinding back up to 5x that difficult, I'd restart if I were you.