Make four characters, two male, and two female. Get each to about lvl 50. Marry them using 2 $20 marriages. Then you can APQ four times in the morning, and four times in the evening. This might sound time consuming, but after the initial investment you will get a LOT out of those 40 dollars. Each Onyx Apple you might get at the end of APQ is worth 3-3.5 million mesos. Collect about 100 of them, sell in FM, and you're filthy rich.