At the end of the month, before you the monthly rating. Transfer all personnel (Scientists, Engineers, and Soldiers) While they are being transported they are not accounted for in the monthly expenses.
To make fast cash, research an item and then manufacture it -- without specifying the number of technicians on payroll and the production goal. Go to the main menu and return, entering the number of employees on the payroll and a production goal of one unit. The item will be manufactured free of charge, making its sale a profit!
The governments really don't care if you don't go to ground battles. If you just watch the world and shoot everything down they will continue uping your paycheck. After about ten months you should be getting about $10,000,000 from the U.S.A. alone!
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