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Marth said:
Do you even need more than 10M bells?
I am at 12-13 atm and don't really see what needs this much money.

My house is already done and I moved a lot of buildings around and built many bridges and slopes.

Gracie furniture in previous games was very expensive.  No word on Gracie yet though.

Also, you can always create more alt characters and expand their houses.  I usually do that when run out of space.  That way can show off sets in other alt character houses.