Not 100% sure what it is but I suspect you went a bit too crazy with the shares in the portfolio (tens of thousands of some of the most expansive shares in the game). Perhaps I need to tune down the amount of money people get from the money cheat to prevent this sort of thing from happening.
It's NOT the money cheat. I only used that to avoid borrowing from the bank in the earliest part of the game. The trouble is the vast sums of credits we accrue with multiple multipliers stressing our CPU's and RAM! The entire financial system needs to be rescaled to more manageable figures as I previously suggested.
I was able to resolve the crashing and total freezes just by returning my GRADE in company management from the over inflated 50K to which I had pumped it back to a more reasonable 30K. I went from 102 billion per day to 53 billion net profit and have avoided crashes and freezes since. However, it is still slow as molasses in load/save mode and during gameplay after only a few minutes.
I even got Shannon up to spouse level 5 and must say a hearty, "THANK YOU" my friend for that amazing sex scene with our new wife! Also, I really need to shower her with gifts and attention to earn the extra 300 affection to "visit the other spouse" and share some sexy good times with both Sophia and Shannon. That was an unexpected and pleasant, wish fulfilling surprise!
While I am here, my friend, I don't mind the need to retrain the girls at grade B for their basic four skills. However, wiping out their raid skills also takes their special items granted during previous raids, doesn't it? I will be pleasantly surprised to find those unique items return if my suspicions are incorrect but that big, fat ZERO in their raid skills and the fact that if you remove or replace one of those unique items it gets destroyed leads me to believe that Caroline and Julia have lost their raid extras. Julia had +4 to Initiative and Caroline had +5 to her initiative! Had I known this, I may not have allowed either of them to become pregnant! I have retrained both post maternity leave but have not yet redone their raid skills as there is no current need for that.
I'm spending my in game time primarily with Shannon while still letting Sophia know that she will always be first... in doing so, Sophia is now pregnant with number 11!!! So, I'm about to have five and a half dozen kids! Hahaha
I drove an Amish framing crew around and worked along side those men all summer one year. One of the oldest sons had me going all day when he told me he had five and a half dozen kids, totally unaware that he meant eleven! Considering their father, our foreman, had fathered at least 16 children, once I was let in on the joke... well, it stuck with me. Anyway... Phat is just rambling now.
Adventure ever on my friend, Phat
PS: Afterthought... If you are going to cap anything, the bonus multipliers for RevMod for the girls and the GRADE in company management would likely be better than the money cheat. I used the money cheat ONCE. Those multipliers are ALWAYS running. I can reduce the GRADE in the company management screen but my courtesans all have RevMod over 40, several nearly 50 and I have no way to reduce those now. They just continue to grow each and every time I have to train them. I will likely reduce the GRADE again back to the 20K or 25K where it was set before the level 4 upgrade took it back to 1 again. I ran a deficit for a couple days and went ???WTF??? then remembered to readjust my GRADE. After running a six million credit deficit for two days, I am sure jacking it to 50K was an over compensation! Hahaha
