This cheat will take about 10 minutes, but you get like 20,000.

Make a new garden and breed wrlims (worms), make them wild and twins. Keep breeding them and soon you will have like 40.

Sell them all and you get lots of money. Each one sells for like 1,500 because they are wild or twins or both.

PS: this strategy is free, unlike the chilli maker. All you pay for is the house - that's it!