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Racing to a high level unlocks too many services (Police, Fire, Health) before you can afford them.
If you are desperate for cash early on, you can demolish residential buildings and rebuild them for the initial upgrade rewards. Simcity Cheats Iphone 2015
Design your city with one long main road and short dead-end streets (like the letter E). This minimizes the need for expensive road upgrades while maximizing service coverage. Racing to a high level unlocks too many