I was in the same boat a couple days ago! Even deleted several precious seeds trying to wait it out but finally had to decide cause I couldn't receive the last 3 vday cards needed to finish the goal. I could either expand, upgrade the fruit stand or upgrade pantry. Because I was about to be level 42 and the
drink maker alone was $320k, I figured I'd need the money so I did pantry. When I hit lv 42 I had over $500k saved but after buying the drink maker, unlocking just 1 of 2 fruits and learning only 1 recipe, I was close to being under $100k. Wanted to cry!!! Lol! I would save your coins and go with pantry