>>5958485I generally go a high crime, minimal lewd route in this game. If you're after a different experience, some of this won't apply.
Get a pair of glasses from the store as soon as you can. They're labelled as getting you bullied more often, but the effect isn't all that noticeable if you're reasonably popular at school. More importantly, they'll let you get the academic traits sooner, which helps with negative stat and encounter management.
Learn to manage your time well, especially when you start with the school projects. You usually won't need a full 8 hours' sleep unless you've exercised or done hard labor, so you can put an hour or two into study or showering before hitting the streets at daybreak.
With good grades, the tutoring event on Danube street pays a cool 100. If you reject all work but this, you can make the maximum rent pretty easily. Little trickier if you've taken on the event that doubles rent for the rest of the game.
Once grades are maxed out, it only takes a day or two of school attendance per week to keep them maxed. If you've figured out how to manage police attention you may attract, you can start skipping school for more work hours.
Even if your physique is too low to fight off an attacker (generally, forget about fighting off multiple), taking a few fighting actions without getting him too angry is still worth it. It lowers your Stress, helping manage your daily attrition. Apologize basically resets anger if your English is high enough.
Bailey can be fought off, if you've found one of two steady supplies of pepper spray. Ain't lawful though.