Things will be slow at first, but once you’ve done your first heist you’ll be able to buy better weapons and vehicles to make things quicker-prioritise the Sparrow helicopter for the Kosatka.
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Despite all these changes the best money making method is still the Cayo Perico heist, so for new players it's all about accumulating the $2.2 million needed to buy the Kosatka submarine that unlocks it.