HC Monk was kinda easy for me. Basically, just over-level the content. I used deadly reach: Piecing Trident for a lot of the early leveling. Only had one close moment at the Nightmare Key Warden, but I was probably pushing things and could have taking things a lot slower. If you want, you can waste some gold at anytime past level 44 to get a reduced level req. weapon with LoH, and then breeze your way through to level 60.
Always remember that reaching level 60 is the goal. Not advancing through the game. get to level 60 and getting to Inferno is EZ-PZ.
You basically make about 1.5M to 2M gold between the time you start and get to 60 on your first character (depending on how much you buy, sell, craft, etc.). That's enough to gear up to pass the first two acts of Inferno. The money you make in those two acts is really enough to beat the rest of Inferno. The main advice I would give you is:
1. Start building your first level 60 gear set as soon as possible, either sniping ridiculous deals with buyouts at 1d11h, or buy bidding for very cheap gear (it's not like you need the gear immediately). I started with a shield, picking up a great the absolute best one I could afford and let that decide my resistance. Then I slowly built my gear around that as I leveled. The less you're playing in a day, the more time you have. If you play more than a few hours in a day, you can buy more time by rotating through all your characters. No sense in getting to 60 before you're ready with your gear.
2. A lot of people say to go with a red gem in your helm, but I was more conservative and went with a purple gem, but re-played a bunch of areas to keep my XP up. It's slower, but it's safer. If you want to 60 faster, though, red gem it is. It's not unsafe to use one, really.
3. LoH for your Monk. LS doesn't really start to work until you get to about 40K DPS, especially if you're not using an offensive skill set. I start with MoE:Hard Target instad of Overawe, for example.
4. You do want to get to Thunderclap as your main attack. The reason is that the best way to survive is with a lot of LoH and a lot of armor+resits. I had over 1000 LoH when I beat Inferno for the first time in HC. Thunderclap actually gives you more survivability: because of proc rates and hidden speed multipliers it magnifies your LoH greatly. There's also nothing worse than running away from something when using DR:Keen Eye and knowing that your armor drops if you stop hitting things - exactly when you needed that armor the most anyway. If you're not at a place where you can comfortably use thunderclap, you're probably need to back up anyway.
Now for my Wizard advice: Try not to die. That's all I've got.
I'm just starting Inferno with my first Wizard ever. If anyone wants to, they can give Romad some advice by looking at my Wizard and pointing out all the things I'm doing wrong and all the things they'd change if they were me... I'm not hijacking his thread, mind you... I'm just offering my character to be used as examples of what NOT to do, if there are any :)
I'll be hitting ZK and then Belial soon, so if anyone wants to yell at me to stop because I'm not ready, that might be helpful, too (to Romad, of course).