Rags to Riches - You're gonna need at least two characters saved. Start a game with one character and earn some some money. (This is the hard part if you're character is barely starting.) It's good to get at least $10,000. Then save the character and quit game. Begin a new game with two characters. Give the money to the second character and save that character and quit game. Now both characters have $10,000. Start a new game again with both characters, give the money to one character and save him/her, then give the money to the other character and save him/her too. Now they have $20,000 each! Keep doing this until you wish or hit the max of $200,000. Enjoy.