First thing I do is collect money up to 25k by working on the bar and then save the progress before entering the lottery place (i forgot the name) and keep clicking the 1k option and by the time you already got the money you want you just pay it to him. In case you didn't have any money again for the lottery you could just back by the saving you already save earlier and try again. I easily turn my 25k money to 250k only by using that way and everytime my money going higher I always save it again.