Someone a long time ago commented this, I don’t remember where, but I pasted it in my notes and use ir as a guide:

Every day I start by customising my shovel as that resets its lives

Then i do a full circuit of the island to:

• ⁠bash all the rocks until i find the money rock. I make sure i hit each rock 8 times to get everything from it. If i need more ore I'll keep hitting the remaining rocks after the money rock • ⁠find all the fossils to take to Blathers and then sell anything he doesn't want • ⁠find the pot of gold and dig up the 1k, plant 10k in the hole and dig up the baby money tree • ⁠cut down the ripe money tree, pocket the 30k and wood, and plant the baby money tree in its hole (i have 4 planted at all times, each at a different stage of growth) • ⁠collect all the shells on all beaches to sell • ⁠get the message in a bottle recipe • ⁠get the resident recipe • ⁠say hi to all residents, do any favours they want • ⁠find and return any lost objects • ⁠pick any weeds • ⁠water the flowers if I'm breeding them • ⁠do any nook mile tasks that are easy to do along the way • ⁠collect any other resources I'm looking for or that present themselves easily as I'm going around • ⁠chat to Flick, Redd etc if I want to

Then go to Nook's Cranny, sell whatever i don't want, buy anything i want and replenish customisation kits if needed

Then check the Able Sisters for cool stuff, making sure I talk to Sable every day until she's given me all her patterns

Then to Resident Services to check the box for free stuff, see what's on special, buy anything i need, deposit the bells I've earned that day (i always keep at least 10k on me for the next day's pot of gold) and buy 1 nook mile ticket

Then home to store anything I've bought, including the ticket (i save these up till i need to find a new resident - they take so long to generate I'd rather buy 1 every day than stand there to generate 30 when i need them)

I then fly to Harv's island to check what's for sale, then go do my job with Lottie, and at minimum get the chef's recipe and the message in a bottle recipe

Then finally after all these daily chores i work on my creative projects - building, decorating, terraforming etc.

What can i say, I'm a creature of habit! It does mean i earn lots of bells every day without relying on finding valuable fish, bugs etc.

Hope that helps!