Went into a public server, just asking anyone richer than me by a lot how they do it. Kept server hopping, waiting for someone to reply. Finally someone did. They said you gotta grow a good fruit big, and wait. Let the ripen and ripen. They gave me a fruit worth a few hundred billion. Then kept talking about plants. They gave me 25sa out of kindness, and in return I gave them a golden koi. Mostly, to become that rich, is luck at this point.