Money is so easy to come by that I would never waste perks for financial gain. I never took any speech perks, never power leveled crafting skills to make coin, and I still have 200k in gold, plus at least another 100k in found loot I never got around to selling just sitting in a chest in the house in Markath, with nothing to spend it on. I think it's wiser to spend your perks on things that have a tangible benefit for your character.
Of course if someone just likes having more money, by all means go for it. Just consider it a word of caution to those starting out who think they are well spent perks when they need more money early in the game, only to later regret taking them.