That's a toughie, honestly.
Getting 6 mil IGB would even me out to 50mil, and finally get me halfway to the badge, lol. But I don't want to potentially overcharge for a villager just to "round out" my savings. :v
Alternatively, a lot of my catalogs are seriously lacking. But that's harder to pinpoint without, say, giving you a list of the 19 umbrellas I'm missing and then waiting for you to TT for several days, lol.