Monk or paladin multiclassing is a pretty narrow segment of the material available to start with, combining both with Vow of Poverty gets you down to virtually nothing. If you want to customize to that extent, you may be best off either writing up your own ideas and trying to get the game master to approve, going to a customize-your-own-class system, such as using a d20 modern class, or going to a full point-buy system like Eclipse (which is all we use any more, and available as shareware to boot).