my stats are similair to your excpet the minning-_- (i hate minning) but what i do to make money if cut yews and runecraft on the way there. so buy a couple hundred teleport to falador runes and a couple k of ess then bring ur laws, water staff, and 26 ess. craft you ess then run to the 4 yew trees right bellow melzars maze there is usually 0-5 people there i've personally never seen more then 5 people there at a time. once you have a full load tele to fally bank and reapeat till you got your money. it's good money plus some nice experience. if you looking for pure cash and no experience running airs is the best money in fp except for rune minning. just go to world 16 and hope there is a high level rc'er there. there usually is at least an 8x crafter there. good luck with your goal. btw what are you trying to get your prayer to n e way cause 9.8 mil would get you to around 75 pray i think (pretty tanked if you ask me)