Do you still get the customary free set of clothing? From the sound of it, he's not going to let you start with an explorer's outfit and sell it for 5 gold, but the cheapest clothing, a peasant's outfit, costs 1 silver.
The peasantry earns 3 gold per month and has to spend 2 gold per month on necessities (DMG, p130). Are you playing commoners who had to flee their homes with just the clothes on their backs and the contents of their pockets?
If you actually put ranks in profession, you should be able to earn at least
14 7 gold per week. Even if you splurge on a “common” standard of living, you can save up 11 gold per month. But really, what commoner spends every night at an inn? You could afford up to a “poor” standard of living and still have 16 or so gold left over each month.