Yall can earn money must by befriending the npcs like the old man from your school, the salesman from sakuma corp, random drivers (try to steal their car and if they try to run, go after them and throw a buncha compliments to avoid getting reported) those 3 Npcs would give you money ranging from 1k to 2k Yen. After befriending them, you can select the option "give me some money" located at the talk button. Hope this helps the newbies.