What I did was start with Medium-density roads, in a grid pattern. With Residential on one side of the map, and Industry as away from that as I could get it. Sprinkle Commerical wherever, preferably between R and I. Save your money and buy the things your people demand and you should stay above water. When I quit out Tuesday I was making 5000 an hour after a couple hours of play, but then I got the stupid idea of making my city all R and C and having another city for I. That doesn't work out so well, and it dropped me to 3000/hour too.