Oh, no. That throws quite a wrench in my get rich scheme. (I have an old guidebook (in german) that claims townies have limitless funds and will be able to afford everything, so that was what I based my plans on.)
I'm not too familar with SimPE, other than using Sim surgery and changing names, but after reading your reply I looked and found an entry "Family Information". According to that there is one household with 71,000 simoleons, another with 64,000, one with 44,000, four with 32,000 each and a handful with the standard 20,000. (Not counting my played households.)