No I worries. That's a good goal to aim for, and it's something that I did. Aim for a few restorations, complete the mysteries and research when you can, and utilise daily challenges. Small steps win the race and all!
If you want to make money, do the jobs other people don't want to do.
For example, hunting polar kebbits is only requires a level 1 hunter and is F2P. F2P don't generally engage in hunting, as you can only gain XP until level 5. P2P don't generally hunt polar kebbit due to the low level giving minimal xp.
But the polar kebbit furs are worth almost 10k each.
The small polar hunting area in Burthorpe is the perfect place to farm polar kebbit furs.
If you need a few million gp in a short amount of time, give it a go, you might be surprised how quickly you can catch the kebbits.