This is pretty self-explanatory. I'll just point out that if you play normally, you will probably earn five stars before buying everything in Montreal, unless you "frontloaded" your earnings by playing the Excitement mode more times than necessary before earning five stars.
Don't worry though. Unless you really have a hard time with the game, it doesn't take a long time before you have enough money to buy everything from the shop. It will only take a few more games beyond where you would normally earn five stars to get the extra cash to buy everything. I wouldn't call it grinding at all. It's only maybe 10 minutes of extra play, max.