For those trying to farm some gems - the best way is to stay at town level 12(don't complete the friends quests that would push you over to town 13 - you will need 25ac up from 4ab to finish the day). You can probably finish each day under 5 minutes with instant tomato.
There is a bug when you buy seeds(and probably buying other things) - when you buy a seed the money is subtracted TWICE. I have 1.51ab coin, buy a 750aa seed and I'm left with 10aa coin. This would also probably explain why you can sit at zero money in the middle of the game; If it works properly you can almost never hit exactly zero money when your coin is in billions.