If you want to get a really good idea of how you can gear a critical mass freeze wizard, which can actually survive if you take a hit in MP10, for less than 10,000,000 gold you should watch this video.
The idea comes from Zisspire and some friends who claimed that they couldn't replicate the same build for anywhere near the 22,000,000 gold shown in Ziss's video. Well.. I did it for about 9,358,000. A little less life and less damage, however also 70 paragon levels lower, less than half as much gold spent, and done by me, a casual gamer. =)
Check it out!