Overall if you survive to ages below you have a Net Worth of (includes costs of meager living 24 gp/yr.):
Hold on a mo, where do you get this costs of meager living of 24 gold per year from?
Are you assuming this commoner's growing his own food? If he
is then the time that takes would subtract from his "working for money" hours.
If he was buying food at the 3E D&D costs in the SRD
Food, Drink, and Lodging table it'd beggar them even if he's living off bread and cheese, drinks nothing but water and only eats meat once a year.
e.g. assuming the commoner's performing hard labour, they'd be eating, say, 2 pounds of bread (8 cp) and a pound of cheese (2 sp) a day - or the equivalent in whatever the local basic food is (noodles/tofu/etc). That's 2.8 sp a day, or 1022 sp a year. Even if their diet's nothing but bread and water, that's still 292 silver pieces a year.
In my own game, I resolved this by assuming the
Food, Drink, and Lodging prices were grossly inflated "adventurers prices" that normal peasants don't pay. It costs 1 silver a day to hire an untrained labourer according to the Services table, which presumably covers their basic maintenance costs (e.g. food and a suit of artisan's clothing every year).
So, the 1 sp "hunk of cheese" is a fine Brie, and the 2 cp "loaf of bread" is an luxury white loaf. A peasant should be able to purchase a day's worth of rye bread and cheddar for less than 10 coppers.