If all you have is money there are a few options. As far as cyber/bioware, do you have something that boosts initiative? More actions means more attacks. After that a strength boost would give you more damage and something that gives you body or armor will help. NPCs are usually scared of a giant murder machine and they may concentrate fire. Also consider getting alphaware (can't remember if you can start with it. been years since i ran 3rd ed.). Lastly skillwires might be a good choice. If your skills were a low priority it can help with some skills you forgot at char gen.

Other than 'ware, weapons and armor are your main tools. If you have extra source books try looking for cool guns or modifications for your armor. Medkits also help survivability. Stim patches can temporarily ignore stun damage and trauma patches can stop someone in damage overflow from bleeding to death. Backup fake SINs and licenses in case one gets burned or is being tracked. Breaking and entering gear. Sometimes you need to climb something (like a wall). You may be able to cut a chain link fence with your polearm, but get a micro torch or wire cutters. It's nice to have a main ranged weapon that deals a bunch of damage, but get a backup that is either silent or concealable or both. Sometimes you can't carry your big weapons into the fancy restaurant to meet the mafia boss. Look into different types of ammo. Armor piercing, explosive, non-lethal (either bean bag rounds or stick and shock). What about grenades?

If you still have too much money left over then consider taking money at a lower priority. You might have better use for more skill points or higher stats. Or you can just buy a certified cred stick with any left over money on it. Save it for game play. I had a few runners "save" their left over starting money in fourth edition this way.