You don't need gear or pp at level 4. At level 12 you can run the Stein of Moggok quest which will net you 250pp, up to 400pp depending on the market per run.
As long as you have money to buy necessary spells you're fine. And the only necessary spell at level 4 is basically your pet.
You also didn't mention your starting location so how could anyone even attempt to suggest where there might be money near you?
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