Better save file
I have finished the game 100% again and now the save is better:
Both Beat the Cock races done
All 6 girlfriends at 100% (unlike the old save where Millie was dead)
Gambling skill maxed out - it was zero in the old save file
Although now you have only 6 million $ instead of the 132 million from the old save, it should be enough. If you want more just go to the betting shop in Montgomery or under the Mullholland Intersection and bet all the money on the horse with the highest odds.