I might get a second copy of the game to make a cycle town, but I'm not sure how it works, and I need a little explanation, and maybe a tip from an expert cyclist?
There's a few methods online, so I'd suggest looking at those, but tbh cycling gets old fast. A good moneymaking method tho. Also the methods are usually pretty straightforward since likely you won't be keeping anyone in your town, so you don't have to be amazing at TTing.
My tip is to put funds into your ATM after getting money, a friend of mine has the monthly bonus on his ATM at max and has amassed like 300m through just cycling. No idea how long that took, but the last year or so he's only been cycling to get me my villagers.
Also I'd suggest you to sell a few villagers to get some of that fortune going. Problem w that is the fact that paying big amounts is annoying as hell in ac and people are unreliable. But you didn't buy that copy for nothing ykno.
Oh and also when you do create your town, pick one that has nice starters.
And remember to use your cycling town for other things than cycling like idk, do events, mess with turnips, breed hybrids.