Do NOT edit the save file. If you do that it CAN break the game and cause MAJOR problems. The method I described WORKS and does not cause issues later. IF you try to edit the game, I recommend asking others that might know about the problems that might arise (I don't know about that), but also be CAREFUL. For myself I just do what I explained and have far more money than I need.The best way to get money is to edit your save file.
The ONE area that I KNOW you can edit (so far) is the MOOD of the ladies. Altering that with the console has not had issues that I know of and makes it a LITTLE easier to progress the game.
Hope that helps.