ill Pay atleast 15k Zeni -95k Zeni

go into the AH which is the postbox thing with the capsule on top of it and search for armour there, tbh you can go up to lvl 50 just fine with armour you recieve from quests if your a casual player

You shouldn't buy armor until 55.

I say 60

I think spending 15-95k won't hurt his budget much though... :P
His best bet is TM2 armor and it should be fine until lvl 49/52 (TM5/TM6) when he can start thinking of some more advanced armors; still, I am not sure you can find it for that "much"...