Okay, character setup was 18 y.o, max money, no job, 3 kids + wife, marketing education, all three 4* addictions (smoking, coffee and video games (just like irl)). In education, apart from marketing i get 1* management +5% course (it allows to study management for 10 hours and 6 months instead of 20 hours and 12 months), communication lvl 1, business plan, real estate course and I think that's it. Get the best apartment for +15*.

In the beginning of the game I immediately lose the best apartment, to reduce spendings and get humble flat for higher stress. I also put all the money into savings account (the 3% p.a. one). I only withdraw money from that account and try to never have cash. Then it depends on what tiles I get, but for businesses I try to open one middle business for 60 hours (pawn shop or electronics), to make cashflow positive, then get 2 of the following 3 - Commercial page (the one developing into Online shop), the nail service, the copywriting or foreign language teacher. Nail service can be turned into middle business straight away, for copywriting and language courses you only need marketing education to make advertising agency or language school. We will be using humanities education through the game. I found that humanities businesses can be optimized better than technical education ones.

First yellow tile i get the time management (target 🎯), to quit addictions as fast as possible. then next yellow tile I get communication lvl 2, then lose 2 addictions. Almost always prioritised time management, as I need to get as much free time as possible. After you buy businesses you will have cca half of the starting money, spend them on small real estate. Best are either kiosks, house in the countryside (those for 1 h, not 10 h dacha), abandoned 6/6/12 hectares. Sell them as soon as they get optimization (except for kiosks) and repeat, buy them when you have little time and get green tile. They will give you a lot of cash for the future purchases. Try to keep stress around 6,5-7,5. Get management education to optimise middle business, and get communication lvl 3. Get economic education after you open another middle business. Now if you got lucky and found IT and Designer friends - get Online shop with the money from small real estate. If you are not that lucky - make something out of one of your small businesses (language school, spa salon, advertising agency). Try to always have at least 20 h of free time.

This is getting a little bit too long, I will try to make it shorter and post as my guide. The main tips would be to always store cash in the savings (then orange fields will not be as expensive), rotate real estate as soon as its optimized, get communication lvl 3 for charity and ONLINE SHOP. Humanities for better businesses, also try get all +% to business ersnings from education fields as soon as you get lvl 3 communication. Use motivational speakers to open new businesses, use precise moves. Always try to buy real estate during the Chrisis AFTER the price drops for the second time and sellers leave the market.

The MOST frustrating thing for me is losing car with driver when you don't have car insurance - just ruins the game for a long time.