When one joins a guild the first level is always free, but the succeeding
ones are not. So, let's say for example that you are going to
reincarnate as a tarmalen nun navigator (druid).. that is 35 nun, 30
tarma, 5 navi and 10 druid.
You will get the first level of each of those guild for free. [...snip...]
If you are reincing into 4 guilds and taking 80+ guild levels and you can
afford the 1M+ costs but can't swing the extra 125k or so taking those
levels in less than optimal order costs you then you obviously suck. You
should stop playing the game, it is really the best solution to your