Play the game. I thought I had the same problem as you, but after level 10-15 (perhaps even sooner) you'll be racking up caps like crazy. The real problem is ammo. I would highly suggest getting the Scronger perk despite what people say about it. It's not only about saving caps but it's about not running out of ammo. Even with the perk I run out of Lincoln Repeater/Blackhawk ammo all the time. :cryvaultboy:
.44 Magnum ammo is the rarest type of small guns ammo, though. To my mind, the feel of 'post-apocalyptic wasteland' is eroded by the lack of real resource problems. Once you get into the swing of things, obaining enough materiel to wage your own personal war doesn't even require any application. That at least one ammo type is in short supply is a saving grace, IMO.