It's been a long time since I played, but I focused all my skill points into hacking, crit damage, precision weapons and stealth. That gave me a pretty over powered build early on. As for money. In the early days before they patched it out. There was a painting that you could sell 20,000 credits and buy it back for only five thousand. So I abuse the crap out of that until I was insanely rich. Nowadays I don't know how you make money in that game.
I would however, recommend that you maybe wait a couple days before playing. There's a big expansion coming out that's going to completely change the game, seemingly for the better. It will probably cost you 30 bucks, but if you're liking what you played so far I'm sure you'll enjoy it as well.