Mate I am level 62 almost 63 haha, it's not the Catfish you target at St. Croix, its pike and muski, you will make a lot more money in real time so long as you know what you are doing, I find Emerald too bland and a lot of a grind, the bass lakes and trout lakes are much more fun and you still make good money, remember you want to stay at a lake for as long as possible to simply offset the travel costs, I have over 2 million cash in game now so I am not too worried about it now but once you hit level 40 from memory you will find it hard to beat San Joaquin for money and xp when you are going after sturgeon with bottom rods