First, get a fast car like a Suzuki Escudo Pikes Peak Version. Then, go to the Tuned-Turbo Challenge and enter the Test Course. If you win, you will get 50,000 credits and a drag car that is worth 250,000 credits. You have to defeat the drag car to obtain it. The drag car does not corner very well, so take them slow.

Win the 4WD Challenge at Laguna Seca to receive a 618 hp custom car. Take that car to the Tuned-Turbo Challenge and enter the Test-Track race. You will win 50,000 credits and a car worth 30,000 credits for each 3-lap race that is won. The secret to winning on the Test-Track is in the corners. Stay smooth and off the walls/grass to pass the faster cars. Do not let them block your car, and drive defensively once in the lead. You will also need licenses to race.

Get a powerful and fast car, such as the Nissan Skyline GT-R Vspec (R34.J) '99 and tune it to the max. Then, get an International A license. Go to Special Events, go to Line Up 4, choose Tuned Turbo Car No.1 Race at the Test Course. Finish in first place to get 50,000 credits and a Skyline that is worth 30,000 credits. Repeat this until you win a 250,000 Mine's HKS 180 SX (racing modified). Repeat again until you win a 13,750 Mines Lancer V (racing modified).

After wining all National races, race any of the Euro-Pacific races. Each win will give you 10,000 credits plus a 250,000 credit car.

Buy a used Nissan Skyline GTS-t Type M(R32,J) '91. Completely outfit it with all performance and handling upgrades (excluding "For Professionals Only" items). Enter "Grand Touring Cup" and win first in Midfield Raceway (about 4 minutes). You will receive 30,000 credits plus a 250,000 credit Unisia Jecs Skyline. Sell the car. Repeat this process four times to earn about 1,120,000 credits in under sixteen minutes.

Go to the "Muscle Car" event and enter the second race. Win this race to get a car worth 75,000 credits and 8,000 prize credits.

Race the 30 lap endurance race. Win first place to get 150,000 credits and a Supra race car worth 250,000 credits. A recommended car is the '91 Supra Twin Turbo R outfitted with sports tires, sports brakes, sports suspension, chip upgrade, stage 1 turbo, racing intercooler, racing exhaust, and stage 2 weight reduction. Note: The race will take approximately 50 minutes to complete.

Go to the Gran Turismo All-Star League and win the Laguna Seca race. You will receive 50,000 credits and the TVR Speed 12 which you can sell for 500,000 credits. Getting the GT One On-Road from Toyota and putting a stage 4 turbo on it is recommended.

Race all of your licenses until you get all gold and a FTO LM. Take it to the Gran Turismo All-Star League. Race the Red Rock Valley twice and sell the car you win to end up with 1.1 million credits.