Individual Finances - spicy addition? added gameplay?

Hey all, what are your thoughts about how to make the game more fun to play re finances? Doesn't it seem like it's too easy/not interesting enough to buy things in the game? Here are my thoughts:

Difficulty:
Set prices on selling flowers at max $10 per flower for the absolute best and perfect quality flower
Travel costs money - free to lot in same neighborhood, $50 to another neighborhood, $500 to another world
Clothing costs money - each item costs money and sims will get positive buffs from new clothes and negative buffs for old clothes, perhaps even gain relationship faster wearing new clothing
Ability for played sims to work as mail deliverer, bartender, pizza deliverer, maid, repair person, gardener, etc and be paid lower income than traditional careers - and will show up in that world as that NPC when lot is played

Interesting:
Ability to buy big ticket items like real estate that generates income through rentals
Ability to buy commercial lot and then receive dividends proportional to lot cost
Furniture depreciates in value over time but can be "refinished" by handy sims and resold for more
Art appreciates in value over time to incentivize buying and holding onto art
Sims leave money and assets to sims with whom they have a good relationship upon dying
Place helicopters, and private jets on lot which eliminates cost to travel internationally - disappear animation is fine
Place cars on lot which eliminates cost to travel around world - disappear animation is fine

Freedom:
Ability to assign individual starting funds and career from within CAS
Individual bank accounts for all sims
Ability to combine funds when purchasing or renting a home
Ability to take out a loan for each sim no matter the reason - with interest much higher than the student loan

What are your thoughts?

Forgot something! Peronsal inventories so you can take your bedroom furniture and other heirlooms with you when you move to your apartment in the city with your friends!

I would love this! I do, though, think it should be optional for players, as many might not want this.

My main reason is that I'd like to see Sims have individual spending ability. Right now, a Sims Child can spend as much $ as their family has; restricting that to an allowance or their own earned income would add a lot of interest to family play.

I'd also like to see optionally directed inheritances so, I can leave a default setting that, say, divides household value up among children or will it all to a Sim of my choice... with resulting emotional and relationship hits. I'd like to see child support too, and post-divorce financial arrangements. I am totally okay with increasing bills at the same time, if it makes a system balance better.

I’ve never actually thought about this? As an optional feature it’d be good to try out. Would make gameplay a bit more interesting, probably moreso for the more realism aligned players. It’d be good for family-style play. It’d be good as well for the kids to have their own little allowances, would be funny to have a ‘Beg for/Complain About Allowance’ or something as a social to a parent. (At least as far as I’m aware that’s not an existing social.)

"simopolis;d-992914" wrote:
Anyways, I think that money is an underutilized tool for making gameplay in the sims 4 interesting. I want to know exactly which sims are succeeding in a given household and be able to have them move out with exactly what they deserve. Thoughts?

I use the Fabulously Wealthy aspiration to track this. It tracks how much money a sim makes from their own efforts, and as long as that number's under $200,000, that (or that minus a reasonable amount for that sim's share of the household bills or whatever skill objects purchased for their use) is what they move out with. It probably helps that I've got a degree in accounting IRL...

I use the banking mod and although the question who owns how much money doesn't come up often, WHEN it comes up, that mod is critical.
Currently I have sims from different households merged into three teams for a challenge, and one of them receives royalties. It would be a hassle to deduct these manually from the challenge household's funds every day and later add to her original household.
Also many servos in my game have to buy themselves free, so I set up bank accounts for them.
And finally on a more everyday note, a kid or teen saving up to gift their parent something for an anniversery or birthday also needs to keep track of the extra money, even if in normal gameplay that same kid can draw from the household funds normally.

Another thing are college funds. Savely tucked away on the bank there is no temptation to use that money for a new couch.

Long story short, I think a banking system would be better than tracking individual funds, because it will be there when the player needs it and otherwise sit silently in the background. That way everyone can customize how complex they want their game to be.

"ACruelButLovingGod;c-17955951" wrote:

"simopolis;d-992914" wrote:
Anyways, I think that money is an underutilized tool for making gameplay in the sims 4 interesting. I want to know exactly which sims are succeeding in a given household and be able to have them move out with exactly what they deserve. Thoughts?

I use the Fabulously Wealthy aspiration to track this. It tracks how much money a sim makes from their own efforts, and as long as that number's under $200,000, that (or that minus a reasonable amount for that sim's share of the household bills or whatever skill objects purchased for their use) is what they move out with. It probably helps that I've got a degree in accounting IRL...

Prolly helps, lol. Also seems like a complicated workaround, but helpful. As you seem to use this feature a bit, does it still work/track money earned when the sims are working on another aspiration? I dont want all my sims to be fortune sims or getting aspiration points for aspirations they dont have.

"Sindocat;c-17956126" wrote:
I spend a lot of time in games with multiple characters each with individual finances shuffling money around and robbing Peter to pay Paul.

I don't think adding that shuffle to the Sims would improve my enjoyment. Having to worry which sim was active when I pop into build buy to fix a lot or place new stuff? I can see it being a hassle. "Oh, rats - I was driving the toddler and he has no money at all. Back to Live... ".

I do have households played pretty much as roommates / boarders / paid companions as well... but still think I prefer my game finances streamlined.

Hmmmm, yes, I think there would be some players who might prefer it streamlined but wonder if that is simply from a familiarity standpoint. If they implemented this feature and made sure to make the sim selected be adjustable from within build/buy, might this be a feature you would consider?

"EnkiSchmidt;c-17956145" wrote:
I use the banking mod and although the question who owns how much money doesn't come up often, WHEN it comes up, that mod is critical.
Currently I have sims from different households merged into three teams for a challenge, and one of them receives royalties. It would be a hassle to deduct these manually from the challenge household's funds every day and later add to her original household.
Also many servos in my game have to buy themselves free, so I set up bank accounts for them.
And finally on a more everyday note, a kid or teen saving up to gift their parent something for an anniversery or birthday also needs to keep track of the extra money, even if in normal gameplay that same kid can draw from the household funds normally.

Another thing are college funds. Savely tucked away on the bank there is no temptation to use that money for a new couch.

Long story short, I think a banking system would be better than tracking individual funds, because it will be there when the player needs it and otherwise sit silently in the background. That way everyone can customize how complex they want their game to be.

I'm not sure I'm following what you mean. How would you propose the base game would work? I do not use mods so am unfamiliar with the systems they use.

"simopolis;c-17956281" wrote:

"ACruelButLovingGod;c-17955951" wrote:

"simopolis;d-992914" wrote:
Anyways, I think that money is an underutilized tool for making gameplay in the sims 4 interesting. I want to know exactly which sims are succeeding in a given household and be able to have them move out with exactly what they deserve. Thoughts?

I use the Fabulously Wealthy aspiration to track this. It tracks how much money a sim makes from their own efforts, and as long as that number's under $200,000, that (or that minus a reasonable amount for that sim's share of the household bills or whatever skill objects purchased for their use) is what they move out with. It probably helps that I've got a degree in accounting IRL...

Prolly helps, lol. Also seems like a complicated workaround, but helpful. As you seem to use this feature a bit, does it still work/track money earned when the sims are working on another aspiration? I dont want all my sims to be fortune sims or getting aspiration points for aspirations they dont have.

The short answer is yes. It's one of the good ones that actually tracks what it says it tracks. I wish all the aspirations were like that.