(I am not responsible for any potential save game breakage that may occur from getting all this money. My optimized route for this glitch assumes that you've played several story missions into Chapter 2, have unlocked the ability to sell illicit goods to Fence NPCs, and have visited one or more areas with a fence. This glitch may not work if you've visited and looted the ruins of Limpany before, and might necessitate the use of an older save as a result.)
ACTIVATION
1)
Watch this video. Pay close attention to the location of the ruins of Limpany.
2)
Turn off autosaving.
3)
Make TWO NEW SAVES at camp (if still in Chapter 2) or near Limpany (if in Chapter 3 or beyond). (One save is a backup in case you want to return to before you used this glitch or in case you screw up, and the other is a save you will overwrite to 'activate' the glitch)
4) Go to the former settlement shown in the video, Limpany (within walking distance of camp if you're still in Chapter 2.)
5) Visit the sherrif's building. You'll notice a lockbox underneath the desk inside. Pull it out from under the desk, and open it.
Grab the recipe on the right, without grabbing the gold bar on the left.
6) Switch to first-person and look at the gold bar. Make sure the prompt to take the gold bar appears on the right of your screen,
but do not take the gold bar.
7) While still looking at the gold bar, and while the option to take the bar remains onscreen, go into your pause menu, and save, overwriting the second save you made in step 1.
Without closing the pause menu, load the save you just made.
8) The glitch has been activated.
MAKING MONEY
1) When your save loads, you'll notice that you're somewhere else nearby Limpany. Return to Limpany, and visit the sherrif's office once more.
2) Walk to the gold bar and hold (X) or (Square).
You will proceed to pick up 30 gold bars, each worth $500 apiece.
3) Skip to step 5 if you have already equipped your camp with Dutch's Tent, and the subsequent upgrade, Fast Travel Map For Arthur Morgan.
4) Return to camp. Donate at least 2 gold bars to the camp fund. Use the Ledger to spend the donated money on the Dutch's Tent upgrade, and the subsequent Fast Travel Map For Arthur Morgan. If you have chosen to donate all of your acquired gold bars to the camp, and have purchased the aforementioned upgrades,
then skip to step 7.
5) Use Arthur Morgan's Fast Travel Map to fast travel to a settlement or city which you've unlocked that has a Fence NPC, who will accept your acquired gold in bulk for $15,000 at a time, if you have all 30 to sell. Your horse will travel with you.
6) Sell your gold to the Fence. Hop onto your horse, visit the nearest Stagecoach sign, get off your horse, and use the Stagecoach to return to Valentine. Your horse will follow you Valentine if you've followed these steps.
7) Hop onto your horse once more, and return to Limpany.
8) Skip to the next section (
DEACTIVATION) if you're done making money using the glitch, and you'd like to 'deactivate' the glitch.
9) Once you're back at Limpany, enter your pause menu, and save once more over the save you overwrote earlier. Without closing the pause menu, load the save you just made.
10) Go back to step 1 of (
MAKING MONEY), and repeat these steps as much as you'd like.
DEACTIVATION
1) Upon returning to Limpany after having sold or donated all of your gold, do not save again. Visit the Sherrif's office.
2) Pick up the gold bar. This time, you'll only be able to pick up 2 gold bars, the gold bar in the lockbox will vanish, and the glitch will end. You can proceed as you like.