Get your money making skills up first, wcing, mining, fishing etc. Then work on the skill that need cash, 10 mill will be enough to buy the best equipment you can get.
Thats a good point if i want a 99 skill i would want one that i would earn money. I have 1 account atm that chops yews and 1 to chop magic logs. They earn good money but they are not skillers