If you are looking to cheat, your best bet is probably to download a SNES ROM version of the game somewhere. The emulator for SNES comes with a built-in memory search function, so you can easily find where the money is stored.
Personally, though, I don't see why you'd want to cheat for cash in this game. There are so many ways to make it in the game. Maybe in the begining... But other than that, you'll need to sail around a lot anyway to build up your skills. Why not take a little cargo with you and make more than enough to cover your expenses?
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