roll a druid or a necro
Seriously, monks are one of the worst classes to play for resource accumulation. You'll make money faster levelling a druid from scratch... once you hit 29 people start paying for ports, once you hit 34 or so you can effectively camp quite a few money-items. Necros are even better item campers, although they get no port revenue and can't travel as quickly.
When you hit high levels and monks become highly desired dungeon pullers and general group DPS, you'll get access to items that you can sell for big money, but until then I would count on an eq-life of poverty - as you would expect a for a monk.
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