The stat plan above will get you everything you need. MSPG, Ard Creag, Ard Srad, and Ard Athar. You will need full God sets, plus Orc Helm, Signets/Sparkle Rings, INT Necklace, DEX Necklace, 1H Emerald Sword, Silk boots, and Dwarf Helm to be able to get all of those spells. You will only have 1 stat to carry with you to your next Sub. (I.e, don't screw up your Stats.) If you're not Subbing to Priest, you could forget getting the Ards, because I the last thing you are going to use is a 7 line Ard, so don't waste your points. Even if you are going Priest, it's not that crucial that you get all three Ards. You could actually just Sub with 19 points instead. However, the way I look at it, you can always buy more Stats and HP/MP, but you can never have the chance to get those spells again. The other spells you want to Sub with are: 1 Ard Elemental Nadar, Athar Lamh, Sal Lamh, Mor Strioch Bais, Ard Puinneag Spiorad, Mor Fas Nadar, Beag Fas Nadar, and Dachaidh. For any other class, except those going to Priest, sub with all the Lamhs, and anything else you want. For Priests, anything else and you'll probably need to forget it at one point for more Priest spells.

Subbing requires that you have a fair amount of both Hit Points and Mana Points. Concentrate on building only WIS and CON from the very beginning. The only spell you will need is Mor Fas Nadar, so get your WIS and CON first. This means you will be able to make your armor at 99, and sub without any extra delays, like hunting off 50mil from Insight 98 to 99.

No matter what you Sub to, I would recommend you Sub in a Stone Axe. Wizard Staffs are crap, and you will be much better off to 1 Hit your way up, until you have enough Mana you could hunt with Lahms and MSPG. Remember some Gods will not let you in their temple with a weapon, and you won't have the STR to pick up a Prayer Necklace.

In addition to the above, Sub in all Luathas items: Gold Ruby Gauntlets, Luathas Leather Greaves, Luathas Coral Earrings, Luathas Enchanted Boots, and a Luathas Wooden Shield. Don't worry about putting Stats into INT to get spells. Your Luathas items will get you the few spells that you'll need. If you start worrying about getting spells at Insight 10, you're going to mess up your potential Mana. You can Sub in Silk Boots, but that means you will be one INT short of IOC.

When you Sub, go all WIS until WIS is 109. Scary, yes I know. You'll be happy at Insight 99 when you have 12k Mana. Some may suggest adding a few points to CON, but I believe you're much better off with Mana. It costs twice as much when you're a Master, and it's not like you need any HP to Master.

Your base stats will be: 8 - 13 - 5 - 5- 11. (Yes Cean STR Spell included.) With those stats you can get: Beag Ioc, Armachd, Ao Beag Cradh, Beannaich, Fas Deiras, Ao Puinsein, Beag Cradh, Ioc, and possibly Mor Beannaich. You can get Ao Dall if you add one point to CON. That's it until you're Insight 54. (There are some Seun's and Slans in there you could get, but why bother. Your Spell Book is full enough already.) I know, it's a big price to pay for Mana, but you were a good Wizard, right?

Here is the tricky part. You need to get 8 Insights. Then, get Beag Ioc and level it, before you log off and before you take off your Luathas shield. Why? Because if you relog, you will have 0 Mana with all those leather items. If you take off that shield, you will only have 12 INT and you need 13 for Ioc. Once you have Beag Ioc to 30, you can log off. When you come back, your Mana will be at 0, and you will have the stats to go get Ioc, along with your other spells. Once you have Ioc, you can take off your Shield. If you have enough Mana, you can get Beannaich to level 30, and go for Mor Beannaich. You should still be able to Insight yourself with a Stone Axe, so it maybe in your best interested to keep on the Luathas Greaves, until you have some Mana with which to get Mor Beannaich with. Or, go ahead and take them off too, and get Mor Beannaich when you are able to put them on again. (Which would be around Insight 19 when you switch to Priest Staffs.)

The only skills you need to bother getting are Great Blind, Study Creature, Maiden Trap, and Peek. Maiden and Peek will only be useful for you because they're required to Master, so it doesn't really matter when you get them. In other words, don't stop adding WIS and CON to get DEX for Maiden Trap. Sub with INT items, such as Luathas Coral Earrings. This will allow you to get Study Creature right away. By the time you're ready for more skills, you should be able to put on a full God set, so there isn't as much of a need to Sub in Luathas leather items.

Mastering doesn't require many HP or MP. However, I would recommend getting as much Mana as possible. The last thing you want to do is spend experience on Mana while you're trying to max your stats. You could have up to 10 points that you are Subbing with. I would divide your sub points equally between CON and WIS. From then on, go all WIS until WIS is at least 45, before you add other stats. After that, put 5 points into STR, 17 points into DEX, and 7 into INT and get Great Blind. Then continue to build STR. Remember you will need 30 base DEX for Maiden Trap and 22 base INT (if you have an INT Necklace) for Peek.

When you Sub, make sure to keep your weapon on. You will actually make a really good basher up until you are Insight 80. You'll have an extra 19 points to put towards STR, plus your Stone Axe will help out a lot.

You will have the advantage of carrying over 19 points when you Sub. At Insight one when you first Sub, put 5 points into WIS and 5 into CON. At Insight two, put another 5 into WIS and 5 into CON, at Insight 3 start putting one point to WIS and one to CON until they are both are 20. It doesn't take a lot of Mana to cast Fas, so you're better off going for STR at that point.

Mastering require that you have 7000 or 9000 HP. You will have the advantage of carrying over 19 points when you Sub. At Insight one when you first Sub, put 5 points into WIS and 5 into CON. At Insight two, put another 5 into WIS and 5 into CON, at Insight three start putting all CON until CON is at least 60, before you add other stats. If you want more Mana, continue to add one point of WIS, starting at Insight three, until WIS is between 15-20 base. Make sure you don't neglect your CON. Always try to keep CON at double your Insight or more.

If you decide to use a Stone Axe, know that Assail will not level with it on. What you want to do is hunt until you are at least 30 before you take off the weapon. Level 50 would be even better, because then you could use wolf claws. Just don't plan to macro your assail until you can remove your weapon. Wear items to help you get Ambush and Double Punch. (Luathas Gold Earrings, Silk Boots, Fioschad Leather Greaves, and Two Gold Ruby Gauntlets.)

Do not take your weapon off to use kicks! Your Stone Axe is going to be much better than your kicks. You can get Draco Form right away and use Draco Tail Kick. Get Double Punch before you do this, so you don't lose the Dex. You will need to be 4 base Dex for form. All other stats can be 3 base dex. A good time to get Draco form would be when you are about level 11. Then you can relog and your Sparkles will make you 5+ all.

Get your CON up high. Do not master as a Power Monk. It's not worth it to have to pay that much more for stats. Any slight advantage you have in power with be quickly overturned when other Monks pass you when they can buy more stats than you can.

Make your own Hubae. There isn't enough Hubae in the game for you to get all the skills you need, and it's a headache trying to pay for them or get them from people you don't know. Most Monks are going to want around 10 million for you to teach them. I suggest you make friends to help you do Hubae, and be willing to return the favor. Don't worry about getting Wraith Touch (64 Dugons). It is worthless, and only a "for show" skill. It's only use is in Arena Battles, but it is still 5 lines, takes 1400 MP, and misses too often against high MR competitors. Get it someday, just don't stress out about it. Wolf Fang Fist (40 Dugons) is a must for Arena, and also nice for hunting.