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Considering all of this and more, and the increasing complexity of earning more App Points to increase his power even more, Frank realized that the App Shop had become way more of a deciding factor than ever before, and he might have to play around with it even more than before.
The acquisition of divine materials and other items that could improve his power was a priority, but anything that could make any difference for him costed over the millions.
He had already spent a lot in the Monster Pet Nursery, but there were also new business opportunities within it, so it could be said that he had done an investment there.
In Earth, Frank isn't able to convert the yens, dollars, or anything he can get there, it seems that the money in Earth is "worthless" by the system, and it prefers magic items or very valuable ores.