For the money, look around for fake walls in the sewer.
For the outer surfing lane, the entrance is behind a rock. You have to surf to it.
Viewing post in Pent's Wacky, Zany Road Trip to Adulthood comments
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Tysm, i not have the ruby key and all three gems but I don't know where to use them (i'm assuming it has something to do with the inaccesible cave i unlocked a door to with the Home secret ladder). I really need some help on this last bit, so please tell me what to do if you know.