I don't understand how TT is consider cheating. It's an option that developers added, therefore it should not be called cheating.
Most people are impatient to continue their own lovely town when they are finished, or want to TT a villager out or in. Also they probably miss the even yesterday due from school or work, then they can simply TT a day of the event and enjoy it. lol I just laugh at people who consider as cheating and they don't understand the reason why the developers left that option in the first place. However, duping is definitely cheating.
The most I have was 55 mil, from turnips, trading, selling, and what not.