IIRC you need Muscles 30+ and the other 4 at 10+. You have enough starting money that you can get a permanent gym membership for muscle req, you can easily get your bottom points up for free, then after talking to Mack you have access to easier top points, though they aren't free so you may need to supplement income. Probably the easiest way to do that is the quiz show, which is a random encounter but it's not hard to just run around until you find it.