@FAMU97 Are you shopping now, or sort of soon? The 3060 ti is an excellent card and is supposed to start at $400. It's way more than you'd ever need for Sims 4, but if you had other games in mind, it should run anything out there at 60 fps or higher on 1440p, and a lot of games in 4k. If it's just for Sims 4 and other less demanding games, an Nvidia 1650 or 1660 ti, or an AMD 5500XT would be fine for playing in 1080p, and a 2060 Super for 4k, both at 60 fps and up and on ultra graphics settings. I'm not saying that framerates would never drop, just that it would be the game's fault, not the card's.
The issue is that right now, there aren't many cards even available. Normally, a 1650 would cost about $160, but I'm only seeing one single option for under $300, and it's a "sold out, more coming soon" situation:
https://www.bhphotovideo.com/c/product/1605378-REG/msi_g165d6gx_geforce_gtx_1650_d6.html
The situation is similar for the 1660 variants, the 5500 XTs, and the 2060s. The problem is that the newest-generation cards from both Nvidia and AMD are consistently sold out, and I think production of the older cards is winding down, so the entire market is just impossible.
If you want my opinion, I would not spend more than about $180 on a 1650 or $220 for a 1660 Super or ti, and otherwise, I'd wait for the 3060 or 3060 ti to be available at something within $100 of the $330 or $400 base prices. If you're willing to set price alerts and don't have a preference for manufacturers, you may be able to get something in the next couple months. And really, unless you're planning on playing new extremely demanding games in 4k, you don't need more than a 3060 ti.
An interim solution would be to spend less, say $60-80, on a used 1650 and get the card you really want when the market is less crazy. Ebay always has options, and a 1650 isn't going to be more than two years old.