Better yet, just get you and a friend to make a town. If your friend is the mayor, you can invest all your money into the town. Then your friend buys a ton of plots, and you get a ton of money. Split the worth.
Also, where does this money come from? Does it just appear? The money doesn't seem to be taken from anyone, unless I am mistaken. It seems unfair to be taken from the town bank, too.