start wtih enough bones to get to 99 prayer about 100m then enough gold ore for 99 smith 33 mil(done the math before) get enough for 99 constuct about 50 mill. then save the rest for whatever else comes along further down the path.
I remeber the falador massacre. i was one of the guys killed. i had bbeen player killing and when i tele'd to fally to bank my spoils i got killed before i even left the square since i had under 30 health when i tele'd