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https://youtu.be/VfWGEVubBEU
go to settings menu and edit the values to update the performance settings into the new levels, now equip the wine of victory level 2 (+8% bonus rivals prize money) skill. Find Wind of Napoli (level 21 Wanderer, he only accept challenge from a fellow Suzuki Alto, the reason why you need an Alto in the first place), beat him 20 times in a row, this will make the prize money form that point into 200k each win as long as you dont lose the streak or go to a parking area,
after a whole session of the grind, I earned 16+ million credits each night beating Wind of Napoli at most 80 times, including the long run credit bonus while racing him. The Alto is easy to drive even in 0% tire durability cuz of awd drivetrain, as long as you dont make mistake, Wind of Napoli is a bank in a pizza delivery vehicle (to the point I just roleplay in helping Napoli deliver more pizzas in exchange for cut in credits lol).