Hello,
LVL 102 is fine. To make money you have to reach 104 99% and look for a Mentor that can buy your mentee.
These sell for 350kk - 500kk (maybe even more, depends on the demand).
As for rune stone, i am in the same situation as you, slowly building my chars. Currently bought 8 and learned a skill on my buffer, and another 3 with this current event, learing another skill on my bufer. Buffs are more important than Items at this level. In your case it is understandable that you need your golem first.
BTW, make a dual box buffer if solo hunting. This is mandatory.
Check the monthly events. For now this event is not obtainable if you are not lvl 105, but past events were fine for all users.
You can even hunt in lower level areas without soulshots if you want to farm gold and not waste money on them.
You can Craft Soulshots and sell them to the people on auction house / private store. Some SS are pricing them at 400 adena which is ridiculous, considering it takes 150-190 adena to craft 1 ss.
Also, do Coal Mines. At 102 with a buffer, even without a spear, you can still dish AOE dmg on Tyrr. Those dwarfs in Coal Mines are very easy to farm. Find a corner with less mobs at first, untill you get to 105.
And last is to check the auction house for items, see if someone is selling something for a difference of ~2kk cheaper, buy it and sell it at regular price. This is easy money most of the time. It can be risky as the market can crash if too many people sell low, but the risk is not that big for 1-2 items.
And the last way to make money, buy Prestige pack (drop rune):
Increases Adena drop amount +300%
Increases Item drop rate +100%
Increases Spoil drop rate +100%
Not sure if this means 400% adena or 300% adena, i never bought it but plan to do in the future.
Hope it helped you.