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Or is it just one of Phil's balls in my throat?
It seems really hard to make money in this compared to the previous Yakuza games. I just got the 2nd letter to pay off another 20 ryo for Haruka's home but I only have 10 right now and no idea how to quickly make more (without doing any exploits).
Without the exploits, the other big mini game (raiding the mines) you unlock some chapters in gets you a bunch of Ryo's for completing the harder difficulty chapters each time, they can be repeated as many times.
But, honestly, just do the chicken races exploit. It's very well worth it.
Where/how the hell can I get back to my farm?
A new boat and person gets added to the very south of the market in Fushimi at the dock.