Wow.. You havve the cb stats and the non-cb stats... GL on 99 farming, going to be a bithch. Too bad about running out of $$. Are you getting 20 def? I support.
You can only really farm for about 1 hour per day - two if you do herbs.
In that one run, though, you can get up to ~250k xp (at a cost of approximately 4m, if I remember correctly).
Herb runs take 15 mins each, and so if you do two hours of farming per day, you've done maybe 5 herb runs, plus your main tree run. Say you did dwarf weeds as your herb - then your xp gain for that day would be approximately 300k, at a cost of about 3.5m.