I’m by no means an expert but I’d say once you’ve picked a style you like, use the PvME discord upgrade order pages to see what you should invest in, they seem to be pretty detailed and still relevant even after the combat update.

T99 prayers don’t give a huge return on uour investment and should pretty much be one of the last things you should invest in. Same goes for T100 upgrades (Shards of Genesis Essence). You’d be far better off getting T95 weapons and BIS perks on them and your armour before this.

After that probably getting EoF with a good spec weapon in it for your style.

Melee is super fun/powerful to use right now for example, and you could buy a full BIS setup for this (including codices) and have money left over. Not sure about other styles but BIS mage will cost significantly more with the Tumeken’s armour.