Step 1: 💧 Water and 💧 Water

Combine 💧 Water and 💧 Water to create 🌊 Lake

Step 2: 🌬️ Wind and 🔥 Fire

Next, combine 🌬️ Wind and 🔥 Fire to create 💨 Smoke

Step 3: 💧 Water and 🌍 Earth

Then, combine 💧 Water and 🌍 Earth to create 🌱 Plant

Step 4: 💧 Water and 🌬️ Wind

Now, combine 💧 Water and 🌬️ Wind to create 🌊 Wave

Step 5: 🌊 Lake and 🌊 Lake

And then, combine 🌊 Lake and 🌊 Lake to create 🌊 Ocean

Step 6: 💨 Smoke and 🌊 Lake

As next step, combine 💨 Smoke and 🌊 Lake to create 🌫️ Fog

Step 7: 🌍 Earth and 🌬️ Wind

Combine 🌍 Earth and 🌬️ Wind to create 🌫️ Dust

Step 8: 🌱 Plant and 🌬️ Wind

Combine 🌱 Plant and 🌬️ Wind to create 🌼 Dandelion

Step 9: 🌍 Earth and 🌍 Earth

Combine 🌍 Earth and 🌍 Earth to create 🏔️ Mountain

Step 10: 🌫️ Dust and 🌱 Plant

Combine 🌫️ Dust and 🌱 Plant to create 🌱 Pollen

Step 11: 🌊 Wave and 🌬️ Wind

Combine 🌊 Wave and 🌬️ Wind to create ⛈️ Storm

Step 12: 🌫️ Fog and 🌊 Ocean

Combine 🌫️ Fog and 🌊 Ocean to create 🐟 Fish

Step 13: 🌼 Dandelion and 🌫️ Dust

Combine 🌼 Dandelion and 🌫️ Dust to create 🌠 Wish

Step 14: 🌱 Pollen and 🏔️ Mountain

Combine 🌱 Pollen and 🏔️ Mountain to create 🍯 Honey

Step 15: 🐟 Fish and ⛈️ Storm

Combine 🐟 Fish and ⛈️ Storm to create 🦈 Shark

Step 16: 🍯 Honey and 🌠 Wish

Combine 🍯 Honey and 🌠 Wish to create 💵 Money

Step 17: 💵 Money and 🦈 Shark

Combine 💵 Money and 🦈 Shark to create 💸 Loan Shark