Getting Into a Race
Drive up to a pedestrian and press [Horn] to honk your horn. A menu screen will appear and give you choices of finding a shop, a race, and just forgetting about talking. Choose to find a race and a car will appear on the map. Go to that area. When you get near to the car, honk the horn. The driver will say 'You honk your horn at me punk?'. Press [Enter] and go to the bottom right hand corner. Set what you want to race for (prestige or money).
Selecting Where You Want To Race To
To select where you want to race to, you have to have more prestige than your opponent. You will then be able to click anywhere desired on the map and win money easily.
Editing saved games
Use an editor to open main.? in the save folder. If your game is number 1, the it's save\000. Edit the line 14-15-16-17. Add .60 in place of 16. That should give you about $6 million.