I'm saying that what you call "decent" isn't decent, but instead a top tier build at that point.I'm thinking playing 3-4 hours each day is quite some dedication and you say in a month I shouldn't even have a decent build. Maybe your standards are off...
Unless you also have a different standard of what "all content" means. If you leave out Ubers, 8-mod 100% Deli maps, 30 wave Simulacrum and 40/40 Challenges, then it should absolutely be possible to have a "decent" build going in no time. Especially as a trade cuck.
I've seen a trend among the good streamers/youtubers to try and create budget builds that can take on Ubers in under 10 Divines or even less. I never tried them out myself, but it sounds very doable. Conservative estimates place average earnings per hour in any type of content at 1-2 Divines per hour.