The prerequisite is to know the tracks, shortcuts & tricks, this can only come with experience.

Joystick is much slower than keyboard. Wheel wasn't tested.

Starting Cash: 100$

1. Upgrade: Engine -> 35$
2. Race: Surf -> 100$
3. Race: Fort -> 325$
4. Upgrade: Booster -> 275$
5. Race: AAD Base -> 650$
6. Upgrade: Engine, Tires -> 295$
7. Race: Mines -> 710$
8. Race: AWACS -> 1190$
9. Upgrade: Engine -> 460$
10. Race: Camping -> 905$
11. Upgrade: Booster -> 715$
12. Race: Rancho -> 1250$
13. Upgrade: Booster -> 730$
14. Race: Silo -> 1305$
15. Upgrade: Tires -> 1015$
16. Race: Fishers -> 1165$
17. Race: War Path -> 2220$

Alternative route (Perfect bonuses needed):
Starting Cash: 100$

1. Upgrade: Engine -> 35$
2. Race: Surf -> 100$
3. Race: Fort -> 325$
4. Upgrade: Tires, Boost -> 210$
5. Race: AAD Base -> 585$
6. Upgrade: Tires -> 295$
7. Race: Mines -> 745$
8. Upgrade: Engine, Boost -> 265$
9. Race: Fishers -> 415$
10. Race: AWACS -> 1015$ / Note: Super hard to get enough bonus for the upgrade
11. Upgrade: Engine -> 285$
12. Race: Camping -> 835$
13. Race: Rancho -> 1536$ / Note: Not easy to get max bonus with cheating AI
14. Upgrade: Tires -> 805$
15. Race: Silo -> 1555$ / Note: Also super hard to get max bonus
16. Upgrade: Boost -> 1035$
17. Race: War Path -> 2385$