Well, I'm back outta the hole.
I went crusing, and one time I accidently put 120 times(I was putting 20, and didn't delete the 1...), and I was up to 209 IMs. I also now buy calendars, a lot of calendars. 198 of my IMs left because I ran out of them(and put 75 credits down, for about 300 calendars). Went cruizing again and I've got 72 IMs, and I'm back up to over 4K in the bank. So I'm pretty happy. Hopefully I can make a lot more, buy the RX(or Miata), and not have it stolen...