Hmm... as I see it, monks should focus on Con first, Str second, Wis OR Dex third, Int 10+, Dex OR Wis 5th, and Cha is the dump stat.
As for paladins, there's little reason to stay in the class after L4. You get crap spells and poor abilities. Better to multiclass with fighter, knight, or monk and then go for something like Divine Crusader.
Even at low levels, consider how useful a Human Ftr 1 / Mk 1 can be.
1 F1 1 10 2/0/0 Weapon Focus: Weapon of choice (G), Power Attack (F), Combat Expertise (H)
2 M1 1 16 4/2/2 Improved Grapple (M), Improved Unarmed Strike (M),