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Making over a mill in just one or two years =)
Here's a brief guide to getting off the ground in Harvest Moon: A Wonderful Life.
What Should I Do With My 3,000?
There's a few things you'll probably want to get done soon at the beginning, unfortunatly these things all cost some money. Here's a list of things you could do. If you are not new to the game you can just buy 10 Banana seeds and 10 Apple seeds. it will cost around 18,000 gold but it is werth it, trust me.
If your new buy two banana tree seeds (1,500 each). Then next summer buy a seed maker so you can turn your bananas into seeds. Don't sell the Bananas becuase they will only sell for 50g each. Wait untell you have money to buy the seed maker. The seed maker will give you 2x seeds for every Banana you put in and they sell for 750g each to Vans. these can be a huge source of income. IF you don't want to wait a long time to get your seed maker all you have to do is cook with only the ruby spice, and it should make another. You can then sell these for loads of cash! keep one to always be able to do this. Note you must befriend Ruby first before she give you the spice.
For example if you have 1 Banana tree. It will give you about 40 Bananas or more. Then once you make them in to seeds it will give you 80 seeds. Then you can sell the seeds to Vans for 750g each. So 750g x 80 = 30,000
Now if you say no to Vans when he asks you if you want to sell The Banana Seeds he may offer you 20% more to buy them.
Don't sell all of them you need to keep 10 Banana seeds to plant for next year. You also shuild buy 10 of all of the trees so that it fills up your lage field. then wait a year. When planting The Banana Seeds always put them one space away from each other so they don't die!
Here are the numbers
10 Banana trees = 400 Bananas x2 800 Seeds = 600,000 gold.
10 Apple Trees = 400 Apples x2 800 Seeds = 520,000 gold.
Total 1,120,000 gold of one year!
So you can make over a mill off just having 10 Banana trees and Apple trees. The funny thing is its not hard to make at all, just takes time.