Ok here is my strategy, slightly different.
My original 4 starting sims traits were:
Genius Sim -- loves outdoor, family oriented, genius, bookworm, ambitious
Guitar Sim -- loves outdoor, photographer's eye, virtuoso, artistic, ambitious
Fishing Sim -- loves outdoor, excitable, angler, kleptomaniac, ambitious
Klepto Sim -- loves outdoor, genius, bookworm, kleptomaniac, ambitious
All 4 had LTW Swimming in Cash.
Day 1 Sunday --
Genius sim would hit logic class then stayed at the library to max logic all day long.
Guitar sim would level guitar up to 5 and do the perform trick yes ma'am i do.
Fishing sim would level fishing, his goal in life is to catch 13 perfect fish. However during evening hours around 7pm I had him go to the gym and steal some cars, he manage to steal holly alto's car.
Klepto sim would hit the consignment store and bought out the store like many many times over, resell everything but kept ores. After she got about 20 ores, i had her smelt it all and then had her go to the library and level logic. When night time falls, she went to agnes crumplebottom house and steal her car + some bathroom items. Then I waited for 12 am to roll around and send her to the wolff house to steal that car and some bar stools.
Day 2 Monday --
When mailman came, i had guitar sim took a break and went to get the mail. Genius sim still reading, klepto sim still reading, fishing sim still fishing. With all the ores (got the bonus ores back too), I manage to transfigure like 5 supernovium. Each supernovium was about 7k-9k plus selling all the stolen goods from the 2 kelptos, that was enough to get the household funds up to 50k. Everybody went to get their clone on this second day. Also took 24k and purchase the hogan's diner, and plop down a subway station for my guitar sim.
For the clones, I didn't use the 3 traits trick, i just went with w/e the games threw at me. If the clone have ambitious trait, I then cake them up to teenager and uses a combination of Logic/Gardening/Sculpting/Fishing/Cooking -- main goal is to get 8k happiness points.
Genius sim will be tutoring the non-ambitious clone. In the beginning since tutoring was slow, I cake them up 1st then I tutor them. I also had the klepto sim help out with tutoring. Fishing sim continues fishing.
Day 3 Tuesday --
The 1st day I moves out 5 sims. Yes 5 sims. Fishing sim manage to get the 13th perfect fish around afternoon. So I age all my 4 clones up with LTW Presenting a Perfect Private Aquarium. I also move the fishing sim out, since I no longer need him.
Day 4 Wednesday --
My guitar sim manage to get enough points to purchase a 2nd clone (those earn xxx amount of tips from guitar gives a lot of happiness points), so I move out the 4 clones plus my klepto sim. At this time, my genius sim already have the teacher extraordinary bonus which can tutor way faster. So this day I move out 5 clones too.
So from then on I move out 5 clones everyday, had 2 old sim that don't move (genius and guitar sim). On Friday my genius sim have enough to get another clone, but then i can't do 6 clones everyday, need a free spot to rotate the clones (8 max per family). So that clone didn't require tutor, just age him up and I bought inheritance with the points. I didn't have showtime, could have bought dusty old lamp !
The money from guitar playing was mainly to purchase buildings, since all my clones uses the fish LTW. With ambitious traits, the fish LTW gives 37k, so I just need to get 8k before moving them out. Which is not hard to get, but just lots of micromanaging. I didn't do the driving thing !! I ABSOLUTELY HATE the driving !!! My car would bugs out, the teenager would be learning to drive separate from the adult and end up in the middle of nowhere. Since it would take up my guitar sim time .. genius sim still busy tutoring, I opt to give up on the driving. I use logic/gardening/cooking/fishing/and sculpting to get that 8k points.
So everyday I push out 5 clones, starting on day 3. Day 7 push out 6 clones, day 11 push out 6 clones. The extra clones are from the 2 original sim. I started them off as engaged, so they will have the get married lifetime happiness points pop up sooner or later. I also chose photographer's eye trait on my guitar sim, I had her level photography to max for some easy points. I should had my genius sim level photography too, but then was too lazy so I just stick him on the sculpting station when he is not tutoring.