At the General Store, purchase the Chili Seed. You can plant a maximum of ten. Place four in a cluster, twice. Then just plant the other two close to one another.

Next, buy the Red Fertilizer. If the chili seeds are close enough, you can douse four at the same time. So get each group of Chili Seeds three times.

Just let the plants grow out. Each Chili Seed will be worth $400 Chocolate Coins. $4,000 in total.
Submitted by ampman07