So, since the questions have been asked:
Point buy - 25 is what everyone's likely used already so we'll stick with that. (If everyone used 30 like Amra did, please tell me so I don't force EVERYONE to completely change their character over this)
HP - Max at first, average die roll for every other level. Round up.
Gold - Starting gold for 4th level adventurers is 6,000 gp. In addition each of you may get a crappy apartment, beat up used car, a TV, a microwave and a pantry filled with microwavable food. However given the campaign setting it's possible you'll want modern items and conveniences. For those use real world prices, and assume 1gp = $3.