To all the monks wondering where gold comes from, here's a little summary of my experience:
1) there's no shortcut, it must be grinded... either in game, or at your workplace... however it is you're getting your items, you're spending time doing it...
OK, with that out of the way, let me clarify that I work 9 to 5 and i do not believe in the RMAH... but I do play about 16-20 hours a week (about 1-3 hours a day plus more on weekends)... due to time constraints, i play a monk and a monk ONLY... all my play hours are on my monk since day one... mules don't count. I was able to solo act 2 pre-patch, but hit a wall in act 3 (more on this later)
2) GOLDFIND
Any gold that you spend (up until you're where buffjesus is) should be spent on making more gold... otherwise, you'll get stuck in a financial jam as monks just aren't able to farm with cheap gear :/
Starting from early 50s, I gave up on hell difficulty to save money for inferno... this meant grinding in nightmare... i can't tell you how many azmodan runs i did, but i got to 60 with a decent amount of gold for a weapon... that's it. I tried to solo inferno act 1, but it was taking WAY too long with very unstable income from items.
I switched to goldfind runs and this has been my primary source of income. The point is to do them fast. For me, this meant that I went back to nightmare (back to azmodan :/) I started optimizing my runs with GF gear and eventually, spirit regeneration. I'll admit it, it starts off slow, maybe 150k/hour, but as the gold starts rolling in, you can invest in making more gold... My current GF build is a daibo/spirit regen build for infinite Tempest Rush... at 230% GF, I make around 300+ gold/hour plus random sales in the AH (i usually just put up nice things for 3-6k)
Yes, it will get boring and repetitive (i think i can recite all the dialogue in act 3)... so a bunch of my gold goes into my main build which i use for inferno runs with friends... This funded me until inferno act 3, where i hit the biggest wall before patch 1.03
3) MAGICFIND
Again, spend your gold on making more gold... +100% magic find essentially doubles your income in inferno! Each run will net you double the magic items, which means double the essences (1.8k each on AH) and double your chances of something nice.
Before 1.03, my goal was to do inferno act 3 bridge runs... luckily, I never made it there because the gear difference between act 2 and 3 was probably 1-2 mil per piece and with 1.03 out, running act 1 or 2 for ilvl 63 items is now entirely viable... I have now switched to MF gear to maximize my inferno runs. I am now running act 2 inferno with the following stats: 150% mf/14k dps/550 res all/6K armor/2.2 atk per s/800 loh/27k hp/1400dex?/11% block with 780 dps dagger... i kill 95% of the elites and make about 1 mil/hour on average, but it's so unstable :/
*) Conclusion
There's a happy balance between your time, skill/effort and gear... As of now, the diablo economy revolves around lvl 60 items... they salvage into essences for 1.8k and the nice ilvl63's make the most profit. Acts 1, 2, 3 and 4 drop 2%,4%, 8% and 8% respectively... This means that it's worth it to run a higher act only if it takes you less than double the time of your current act with the same number of elites (assuming it's even possible) I currently run act 2 (monks have no problems now if geared properly), but I'll switch over to act 1 or gold runs (hit that 10 mil gold pickup achievement last week!) just to change things up...