You can still do it the honest way . This is the kind of game where you have to challenge yourself anyway if you don ' t just want to play with model trains . The only thing you can really learn in this game is how you can be more efficient , and this challenge is good for that . And then you can apply that knowledge to a normal game where you can take out loans , and see how great deficit spending is once you know what kind of investment is worth taking out a loan for . All that being said , I would have liked to see harder achievements . This is not the only one that ' s basically let the game run for a sufficient amount of time . For example , something like reach yearly profits of $ X by year $ Y without taking loans . You know , something you actually have to play the game for . And don ' t tell me about that exploit that lets you get extra money from your trains if you have high enough APM . don ' t do that if cheats and cheese ruin games for you P