How to Earn MILLIONS on your First Day in Animal Crossing!

This strat works for any time or day of the year!

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No glitches, no other towns, no island, no legacy data, and no Tom Nook codes are used in any way. All you need is a town with two villagers in the same acre, one of which must have a peppy personality. This is about a 15-25% of occurring and on average will take around 25 minutes to get. I managed to get it first try for this video.

2:10 - Villager ID and Personality List
4:24 - Villager Typical Schedule List
4:48 - Villager Schedule Differences

Once you have the town, complete chores and buy a shovel. Find the money rock and golden spot for some quick bells and then you're ready to begin. Trap the peppy villager and other villager toward the top of their acre with holes to force them to interact. You have to move 5-6 spaces away in the adjacent acre and back to force a new interaction. If you run more than 7 spaces away though, the holes in the acre will despawn. So you can dig holes in the other acre to prevent running too far.

Every time two villagers interact, their mood will change or remain the same as before, with roughly equal odds between neutral, happy, mad, or sad. We're looking for our peppy villager to be happy because in this state, they have a specific dialog in which they will offer you a 'wad of cash' for one of your items which will be equal to half the value of your bell inventory. Villagers will accept furniture, wallpaper, carpet, gyroids, and identified fossils.

With enough iterations, you'll eventually have a max bell inventory and can earn up to 49,999 Bells per dialog. On average though, you should have between 95,000 to 99,999 Bells for each dialog interaction for optimal earnings. If you try to get as close to 99,999 Bells each time, you will waste more time than necessary. And if you have less than 95,000 Bells, it's worth spending a few extra seconds optimizing your bell inventory to earn more.

Also, this dialog will trigger more frequently as your villager's friendship increases. You can increase friendship with a villager by completing chores for them, sending letters and gifts to them, but mostly simply you can just interact with them by asking them 'what's up'. This will incur 1 friendship point each interaction and once you've reached 120 points, the friendship value with that villager is effectively maxed. Although, the value will still increase to 127 because it's a signed byte ranging between -128 to +127.

With a max friendship and optimal dialog interaction, you can trigger the wad of cash dialog on average once every 6-7 minutes, resulting in about 47,500 Bells per time, and around 450,000 Bells per hour. In this video, I actually manage to trigger this dialog 10 times in 45 minutes during the montage, which if I had already had a maxed bell inventory, would result in 630,000 Bells in one hour, but 450,000 Bells is a more accurate average.

Over a couple hours, you can earn a couple million bells which is more than enough to pay off your entire house and have plenty leftover for anything else you want to do.

I also explain villager schedules to know when your villagers will be outside in their acres. Obviously, you need the peppy villager and other villager to be outside in their proper acres in order for them to interact to change their moods. Once you get the villagers trapped, they will remain trapped outside even if their schedule tells them to go back inside. The only way they will get free is if you despawn the holes, save and quit, a new day occurs (at 6am), or a holiday event triggers in which villager are relocated. The villager exception list is explained in the video as well.

If your first day happens to start at a time when an event occurs and your villagers are not outside when they're supposed to be, you can make a second player character and before completing chores, villagers will always be outside their houses awake regardless of the time or day of the year. You don't actually need a shovel for this strategy, it simply speeds up the process. So if you start a new town when Nook's isn't open and therefore, you can't buy a shovel, you can still do this strat without the shovel and earn money the same way, just at a slower pace since you'll spend time pushing villagers toward each other after every peppy villager interaction.

Thanks for watching!