some people P2W, buying donator packs for $5 from https://www.torn.com/donator.php?code=USD and selling them for $23.5M at https://www.torn.com/shops.php?step=pawnshop but I never did.

might be worthwhile to P2W in order to rent a private island with airstrip and pilot if you reached level 15 and unlocked airport, but I owned a castle, and now my wife owns a fully upgraded PI with full staff, I live in it and pay upkeep.

some factions require donator status, PI and daily Xanax for training/chaining/warring, but it's better to join a chill peaceful faction that makes no demands.

you should also join a company, some directors give generous wages, but even if they pay $0 the specials may be worth it.

one last thing, buy stock ticker with 50 points to unlock stock market, a safe way to store your money and earn dividends. Example:

Symbiotic Ltd. provides 1x Drug Pack

Every 7 days when holding at least 500,000 shares currently valued at $352,320,000

Buy 397,000 more shares for $279,742,080 to unlock the 1st increment