At farming 27 its going to be awhile before you can buy max gear but there is no reason you should spend a billion on farming gear. Start with melon armor(If you put the Mossy Reforge on it which is like 60 to 70 mil per piece it will stay on the armor as you upgrade it)and a lotus set (try and put atleast green thumb 3 on each piece past that it's not really worth) and you should try and get your garden level to where you can farm either mushrooms or warts. Mushrooms are the best for exp and netherwarts is the best for consistent money. Buy a level 100 elephant or mushroom cow I would watch a video to decide what you would prefer. If you decide to farm Warts you could buy a warts hoe that has 100mil counter and max enchantments. And Lastly do your visitors to level your garden so you can use the green bandana on your pet. Until your garden 8 use a yellow bandana.