Donating 10k at the Shrine to get high enough to be a Kindergarten Teacher is the way to do it fast. You pay a bit upfront, but after that you get paid 5.5k and get a huge amount of Charm at the same time. You get your money back easily. And my initial focus is Charm to unlock the Modelling gig for 6k. Using the money there to get the Charm up enough, and then using the teaching for more money and Charm until Charm is capped. (Or get best end on Toru and never worry again, lol).