I started my character on this server and knew no one. Had no plat, no higher-level items, etc. I now have one of those twins you're talking about (maybe not that impressive, though!). Money comes as you level - no need to rush it. Enjoy the experience and just have fun with your buddy, imo. Explore a bit, check out different dungeons. Trying to race to 60 is a horrible, horrible idea, imo.
Money comes when you get a big drop in a dungeon. No need to rush that drop as long as you have cash for spells and necessities. All the gear you could possibly need to level you can get on your own, and when it comes time to get the really nice stuff you'll have a guild, or a friends list, or a long afternoon in KC to get it.
Don't feel like you can't participate because there are so many twinked-up low level characters. Use them to make the harder parts of being a low level easy and just have fun with it. This worked out extremely well for me, and I wouldn't go back and do it any other way if I had the option.
Edit: If a level every 4 hours is daunting, please understand that it only gets (much) slower down the road. Reaching max level isn't super important to having fun in EQ. The adventure, the journey, is the fun.
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