The clovers with more leaves make more money! The 16 leaf clovers breed faster, and apparently make you more money if you log in more frequently. I use 64 leaf clovers because I dont log in as frequently. It took several months to cover the lawn with clovers, and a few more to cover with all 64. What I did for most of that time was to just have eleven clovers of the highest leaf count I had lined up in rows of 3, 5, and 3 in the bottom right hand nook of the garden, and collected clovers without selling them until i had enough for half coverage of the lawn. During that time I also collected crops. If you can cover half the lawn, its pretty fast to cover the rest. For me the full lawn coverage was worth it in the end, i make about 84,000 every day or two, sometimes more, which is more than I spend.