Save your game in slot 0, enter the subdirectory MFILS
 and debug as follows:
 ngame00.sav
 l
 e 01bc ff ff
 e 017a 41
 e 0179 v           (where v=race (31 to 29))
 w
 q

 This gives you max money, and any race you want when you
 reload your game.