Time Stalkers Hints for Dreamcast
Money problems - sell everything you have at the hardware store, to Mr. Noimen and sell your frost ring or anything else you may have to sell.
Then buy as many tokens as you can.
Put them into your VMU - Reload your game, you still have all the things because it wasn't saved.
The tokens in your VMU the worth $50 a piece so you can continue doing the same.
Do not save after you have sold your things...