Im trying to collect all the achievements in Plants vs. Zombies on the iPhone. I need lots of money to buy all the plants, so I've been trying to work out a way to basically farm some money in the game. I've tried using Marigolds and the Magnet with a bunch of Tall-Nuts to slow the last few zombies down considerably, but the Marigolds only spawn money a few times before stopping.
The idea is to slow down how you kill the zombies. So as quickly as possibly, place the garlics to direct the zombies into the two lanes that are protected. After the initial setup, it's just a matter of placing the marigolds as quickly as possibly.
If you have not already, complete each puzzle at least once. The first time you finish each puzzle on the PC version, you're rewarded with a gem. The rewards for subsequent completions are usually (randomly) not as much, but still something. So if you find a puzzle you're quite good at, you might try beating it repeatedly.
As an improvement to Alastair's answer, towards the end of the game, when there's only 1 zombie left, get rid of all the spikerocks and peashooters and replace them with Marigolds. This way, the zombie won't die, and if you have Wall-nut first aid, you could just keep repairing the tallnut, allowing for potentially unlimited gold mining time.
Because you're on the iPod, you can't use the PC's survival or last stand for gold farming, and farming marigolds on 1.1 is too tedious for my taste (especially since, as you said, marigolds keep running out of money and have to be replanted).
Go to survival level's put a lot of big nutz to stop the zombies and something effective for killing it ... but not killing fast. Then put a lot of money flowers, maybe a gold magnet and ... it's up to you baby.
After completing adventure mode once, do adventure 2 and get to fog level 10 where there is the yeti zombie if you manage to kill him he gives you 4000 dollars (he will give you 5000 the first time you kill him).
There are multiple ways to make money quickly in Plants vs. Zombies, a practice also known as gold farming. You can also play certain levels such as any Survival Hard or Endless levels, Column Like You See 'Em, and Last Stand.
For newer profiles, access to seed slots and mini games will be limited. One can employ early mini-games like Wall-nut Bowling and ZomBotany to get a reasonable amount of gold, somewhat quickly. Replaying Level 2-5 and collecting Sun and coins but not using the Sun until the end of the level to plant Grave Busters to remove the graves can generate you roughly between 200 and 400 coins each run.
For ZomBotany, refer to the strategy guide on ZomBotany/Strategies. For Wall-nut Bowling, the idea is simple, but some luck is involved based on the formation of zombies. Try to ricochet (or bounce) the Wall-nuts off of as many zombies as possible. For every ricochet you get more coins: one silver coin for a second bounce, two silvers for a third, three silvers for a fourth, and a gold coin on five bounces, etc. Avoid using Explode-o-nuts, unless completely necessary, or use them to kill single zombies close to invading your house. Keep in mind you can align zombies in different ways by manipulating zombies who move faster than others (Newspaper Zombies and Pole Vaulting Zombies).
Requires: eight seed slots, Garlic, Gloom-shroom, Fume-shroom, Coffee Bean, Sunflower, Spikeweed, Potato Mine, and Marigold. With nine slots you can take Imitater or Twin Sunflower if you have them, as depicted in the screenshot.
Begin by planting three to four Sunflowers in the first, third, and fifth rows. If zombies appear in that row, plant Garlic to move them into the second and fourth rows. Use Potato Mines to kill the first three zombies at the left edge of second and fourth rows. Eventually you will have Garlics in the two rightmost columns in the first, third, and fifth row, as needed. Plant one Marigold, and increase your Sunflower count to six while placing a Gloom-shroom in the third row behind the Garlic. Eventually flesh this out to what is shown in the picture; keep planting Marigolds in open spots in the first third and fifth rows as they become available, and place two more Gloom-shrooms to the left of the first Gloom-shroom. Once you have sunlight, you can begin placing Spikeweed. If you did it right, you can have seven Marigolds (without the Imitater) by the time the first Huge Wave appears. The zombies will eventually destroy your Garlic, so keep an eye on it and replace them as soon as they disappear.
This example is an improvement over Example 1; however, it requires you to have unlocked three optional upgrades: Gloom-shroom, Imitater, and nine slots. Wall-nut First Aid is helpful but not strictly necessary.
Begin by placing five Sunflowers in the middle row as far left as possible. Use Potato Mines to kill the first two zombies. Use Garlic if they come in the third row. Build your first Fume-shroom in the third row, third or fourth column from the right, then place both Marigolds in the first or fifth row. Continue building up Marigolds as you can, using Garlic in the first, third or fifth rows to keep the zombies in the second and fourth rows. While waiting for more Marigolds, upgrade the Fume-shroom to a Gloom-shroom and wake it up; you should be able to do this without needing to use more than three Potato Mines. Place your first Wall-nut in the second or fourth row, then you can start placing Marigolds behind it. The goal is to have at least one Wall-nut built per second/fourth rows with two awake Gloom-shrooms by the time the first flag arrives. Eventually you will want a second column of Garlic and a second Wall-nut as insurance; you will definitely have enough sunlight. Eventually you will arrive at the picture above. After that point, you should have enough spare sunlight to erase the Sunflowers and replace them with more Marigolds.
With the upgrade that allows you to use nine seed packets, select the Marigold, Magnet-shroom, Gold Magnet, Fume-shroom, the Coffee Bean, Gloom-shroom, Garlic, Lily Pad, and the Pumpkin. If you have the ten slot upgrade, use the Tall-nut to stop Dolphin Rider Zombies or the Squash for Football Zombies, although you can bring Spikeweed to plant in the land rows to wear down the zombies.
Plant two Garlics (in the rows next to the pool) in the rightmost column, and two more on the column next to it. Plant two to three Gloom-shrooms behind it (three works best, but you can have fewer Marigolds), and wake them up with Coffee Beans, and Pumpkin the one furthest to the right. Fill in the rest of those rows with Marigolds, and plant Lily Pads in the Pool rows, starting with the column of the left-most Gloom-shrooms (if you have three), or the column behind it if there are only two. Next, plant a Magnet-shroom behind each of the left-most Gloom-shrooms, when using three, or the next column to the left when using two. Plant Gold Magnets on them, but do not wake the Magnet-shroom up first! Magnet-shrooms can be upgraded to Gold Magnets even when asleep. Plant a Pumpkin five squares back in the top and bottom rows, then plant Pumpkins on the two right-most columns of Lily Pads (but only the first if using Tall-nuts). Fill in the empty Pumpkins and the empty space to the left of your plants with Marigolds.
As the onslaught goes on, replace near-dead Garlics with fresh ones (they are near-dead when they start tearing), and near-dead Pumpkins with fresh ones. To save sun, you may wait until the instant a zombie finishes eating them, but this requires very quick responses to avoid losing plants. Click on any coins that the Gold Magnets miss. You should be able to get $7000-10,000 this way per game, if you do not die. You get more if you use two Gloom-shrooms on each side of the pool than if you use three, but you have to be much more attentive to your Pumpkins.
If you use codes, you may want turn off the 'future' code. If it is turned on, the zombies do not pull a face when they chomp on the Garlic, so you have less time to hit them with your Gloom-shrooms. By turning it off, you do not have to watch the Garlics in the pool at all.
Unfortunately, this strategy does not seem to work as well in the DS version due to lack of seed slots and the increased danger of Jack-in-the-Box Zombies. However, to modify it to work, replace the Pumpkins in rows one and six with Tall-nuts and replace the foremost Pumpkins in the Pool with Tall-nuts as well, but do not plant the second column of Pool Pumpkins. The Pumpkins around the Gloom-shrooms can be left as they are. Do not use Magnet-shrooms or Gold Magnets, so you will have to pick up the money yourself, and plant Marigolds there instead. Whenever a Jack-in-the-Box Zombie appears, make sure to Squash it immediately, because once it comes into range of the Gloom-shrooms it will almost always explode and severely damage your setup.
Using this configuration, a player can plant thirty-two Marigolds and devote all attention to maintaining the front line defenses. Save all resources for maintaining the Garlic, Pumpkin shells on the first two Gloom-shrooms, and occasionally a Wall-nut. DO NOT try to expand with more Gloom-shrooms, unless you finish a round with 700+ sun. The Magnet-shrooms remove helmets from the Football Zombies and Buckethead Zombies, both of which are resilient enough to make it back to the Wall-nuts. In their current position, the Magnet-shrooms are close enough to pull helmets just before the zombies reach the Wall-nut, giving them a chomp or two at most. Players can expect around $8000 from this approach.
Using the same layout, same approach with the same amount of coins obtained, for those who do not have ten slots but have nine slots, can modify the above method. Just don't take the Gold Magnet. And instead of that, put two more Magnet-shrooms.
Optional (suggested) - Instead of putting those two Marigolds in front of the Magnet-shrooms and before the Gloom-shrooms, put two more Magnet-shrooms for a better protection against those annoying Buckethead Zombies who come in the pool. This way there is less maintenance for the Pumpkin on the Gloom-shroom.
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