Welcome to the server!
It depends on what you like, really. You could roll up a Necro or a Druid and be more capable of soloing. Or stay with the monk but be more prepared to group until you get to the point where you can use FD to solo more effectively. Or go way deep and roll up a paladin.
Casters do have to purchase spells, which adds up, and can also get a lot out of good gear which ups their INT.
As for money, you're in a good place to make it. Stacks of bone chips will net you a few PP if you find someone willing to purchase them. Spiderling silks more. LQ and MQ bear/cat pelts also sell for 1-2pp each. HQ cat for 5pp+ and HQ Bear for 20pp (they are fairly rare drops).
The EC zone is full of some pretty decent folk. If you head over to the tunnel and politely ask, you've got a good chance of getting a buff or three to allow you to take on tougher fights.
If I'm ever on when you are (Fritz the Druid) say 'hi'!
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