Start a new city. Build a power plant, 8 residential zones, 4 commercial zones, 4 industrial zones, and (preferably) a police department. You can build more than that if desired, but keep your city small so the game will not slow down as a result of having a large number of buildings). Leave the game running overnight, then check the game. You should have a lot of money and many years should have passed. You will also have the fountain, which raises land values.
Press L + R + Select to erase all saved games.
Get the bank and place it anywhere. Wait a year, then destroy it. After you destroy it, you will still be able to take out loans from the bank option in the menu.
Start with a new city, select any landscape, and wait at least ten seconds. Enter the total screen. Exit the total screen, enter the save/load menu, then select the 'No' option. Return to the main menu, select the 'Start New City' option, and the landscape will change. This effectively doubles the amount of maps.
When you start the game, load a saved city or start a new city (it doesn't matter). As soon as the game loads your city, go to "Save / Load" and select "End". Then when you are at the screen that says "See you soon! Goodbye!", input the following code on THE 2ND CONTROLLER (it will not work on the 1st controller):
Left, A, Right, Y, Up, B, Down, X, Select, Start, Start, Select, R (twice), L (twice). A menu should pop up with the following options:
Sound Test - plays every background music and sound effect in the game.
No Disasters - disables the ability to cause disasters and almost completely disables disasters during scenarios. Plane crashes and nuclear disasters can occur if your city is set on Hard mode.
Needless Money - This allows you to build anything you want for free, regardless of how much money you have.
Valve Max - this option forces the R C I graph located at the top right of the screen to stay positive no matter what.
Water Reclaim - allows you to bulldoze over water and turn it into land.
Memory - This option is important. To enable all cheats you set on "ON", put memory on "SET", press B, and those cheats will become active. This cheat is also saved so you won't have to input the code over again. To clear the debug mode option, put memory on "CLS", press B, and the debug menu and all cheats have been disabled. To re-activate it, input the code again.
Turn off your auto budget and spend all of your money. Set all of your tax and funding levels to 0%. When the annual tax screen appears hold L, select 'Go with figures', and the regular screen will return. While continuing to hold L, press X(2) to skip to January. Choose the tax option from the menu and raise all of your funding levels back to 100%. Leave the tax level at 0%. Select 'Go with figures' and proceed to the main screen. Release L and your funds should now show all 9s.