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Beets usually pay more but are more work intensive and need more equipment.
Of course, you can always cheat your save too.
But the youtubers you see with millions are most likely cheated in money.
If I'm being honest, I think it's their commentary on modern farming....
Don't be afraid to take loan from the bank. The interest rate will not hurt you. The interest is 250 only for 100,000 loan a month. Just 1 small contract can cover the interest rate.
Use the loan money to buy lands.
If you want passive income, buy generators and greenhouses.
Don't focus on buying heavy equipments yet, because the bigger the equipment, the higher the repair cost.
Sell your crops at the right time when it's high.
Don't harvest when it's raining.
Don't take time-consuming and low reward contracts.
Don't leash expensive equipments
for small earning jobs
If you leash, make sure you'll finish the job within 1hr (in real time)
If you can't finish it, you'll have to pay the "per hour" price of that leashed equipment.
Don't bother yourself mulching if you don't have bigger lands yet.
Avoid weed to grow as soon as possible.
Early on money can be rather tight and what you have to spend after covering your expenses can be less than you would like. So having a long term plan, 5 and 10 years out, is a necessity (at least in RL).
That money you spend now to increase and strengthen your infrastructure, be it better equipment, facilities or even fields, will pay off in time.
You are really only a few harvests in so being able to cover your expenses as well as having some to reinvest is not bad.