Built into the Action Replay are codes that give the player an infinite supply of any item (not including «not used» items by default), infinite Bells, the ability to reduce
their mortgage by huge amounts, the ability to remove weeds, and so on.
Roughly assuming that whole life insurance is about 8 to 12 times the cost of a comparable 20 year term policy, the left over money NOT SPENT on a whole life policy allows the insured to save a
huge amount of money in 401Ks, Roths, HSAs, Saving Accounts, and
by paying down their
mortgage early.