Well with Bard you are better at soloing (Because of Noise), but with Cleric you mostlikely get easier in parties because of Buffs and Ress, About Gold I think it is Easier with bard because its better soloer. There are Some Good Guides for these Builds at forums:
For Wizard/Bard:
viewtopic.php?f=5&t=100199For Wizard/Cleric:
viewtopic.php?f=5&t=78571