I wanted to save up, but it seems like I can't?

I really love this game, but how the hell does the neighbor tunnel work. No offense but the way the tooltips are written is wild, for most of the extra tiles its fine, but I am a little stumped on the Neighbor Tunnel. I have a few theories how it works, but I tried all of these in conjunction with a Neighbor collector, still couldn't figure it out. Here is an imgur link to a diagram (in the spirit of the game it's handdrawn in mspaint) Diagram ...

I don't even know how it would work with the gear shifting, but I know some people that would make this dev a millionaire if it had it.

If you lose by >5secs you receive an penalty of $pt+infinit | minimum $~

Ghost races, rounds not starting, money not being sent and crashes made MP unplayable