How to Edit/Increase the starting number of roaches/roach loan

I have the max loan (i think that's what it's called), and i still do wish i had a lot more roaches when i start. this might be me, but i like being able to buy whatever i want from vending machines, and 20 roaches only goes so far.

I know how to get into the Json file, so my problem isn't getting into "wk_save.json". my problem is finding what to edit to make my starting roaches/loan higher.

i know the gold nugget gives another 20 roaches too, so if no one knows how to edit the roach loan cap, then the second best choice would be editing out the trinket cap. so i guess if you know how to do that, i would still love to know.

also, i know mods can do this. heck, i've found a mod that does this. but, i want to get achievements and unlock stuff in the game, and i've heard that editing the json file still lets you get them.

(speaking of, if anyone knows that this method (or the trinket cap method) disables achievements and unlockables also, please tell me before i go knee-deep in this too quick.)

Thank you :3