I also tried a tutorial I found on YouTube with Action Replay Max codes (though the video used codebreaker codes, which I have no idea where to find those at) for when I buy something I get max money but I think I did that wrong too because the pnach file didn't seem to effect anything in the game while being in the cheats folder. I tried figuring it out by myself by first trying to use Cheat Engine but I think I did it wrong because my game froze up when I tried to buy a bouquet lol. Thing is I wanted to make things just a little easier on myself and was hoping to use a cheat to get max money or infinite money, something to where I don't have to worry about that stat in the game. Figured it was the easiest way to try them out for myself.
So I picked up the Persona 3 FES and Persona 4 emulator after watching a Persona 5 playthrough.