Depends on the difficulty you're playing at, if you play on explorer mode, you really shouldn't worry much about bad party combination or about money especially if you invest in Bartering(which I did). Bartering is a handy skill especially in the beginning. You sell stuff for more money and buy for less.
If you play on classic you'll spend more money(on potions/scrolls) but again, it's only in the beginning that it'll be hard to make ends meet. I played on classic till around midgame(wanted to enjoy story more and less combat time) and I had a pure Ranger, pure Warfare(Red Prince), a pure Rogue(Sebille) and Fane who I made a Aero/Geo/Hydro wizard. The builds weren't all that great but it worked.
Fane can be very handy if you use him as your main talking person and invest some persuasion on him. You'll get an item in Fort Joy if you do his quest(or was it just after fort Joy). He also has the scholar trait which helps in a lot of conversations.
