400k will get you about 133k on red. That really is more than enough to get a fungi and some resist items and a decent wpn to get started.
If you like it, Which you will, then just move the rest over as you need it.
If you are playing a monk you will likely want a t staff eventually and that costs about 180-200k and/or 550-600 blue.
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Red: Fael - 60 Monk / Slogre - 60 Sham / Dolic - 57 Bard / Dolik - 47 Rogue
Blue: Dolic - 60 Bard / Dolik- 60 Monk / Mazzarin - 60 Wizard / Fael 60 Necro / Kaylen - 60 Paladin
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