I was tempted to choose both, but, this is the most accurate. Mainly because most of my Sims aren't rich except the two who won the lottery, and I don't play with them anymore.
Most of my Sims start out Rags to Riches style, beginning life with absolutely nothing but a mailbox. They usually don't stay that way for long. At least in the past. I've played this way for so long I know ALL the ways to get rich quick and can even beat the Extreme Rags to Riches challenge, well, extremely quick. lol
I still can't help playing this way, it's addictive and I find it so satisfying when they've won the challenge. But, I've begun limiting myself to what they can and can't do in order to extend the gameplay.
They still always manage to make a lot of money in the end, I build them a nice house and that's it, done. I move on to another challenge and try again. Sometimes I'll put them in my custom template save so I'll at least see them again 'not in world' if I really liked them.
The only time I don't play Rags to Riches is when I'm playing a challenge that doesn't allow it. Ironically, a couple of these are on my list of all-time favorites and I've actually completed some of them more than once, such as; the Asylum challenge, Time Lord Challenge or even my Collector Sim. I had a ton of fun with her.
Also, my Super Sim Joel, and the clone/brother I made from him, Josh, for the Apocalypse ended up being my all-time favorite Sim! Again though, once I'd done it all with Joel, which of course meant he was super rich, I quit playing with him. And when Josh died of old age, I stopped too. I put them both in my custom template though as a YAs.
I've tried Legacies in the past and am currently doing an I.S.B.I. that I hope I can complete. I like playing those, but again, once they get rich and I've built them a nice house, I get bored and try another challenge. I just can't seem to stick with anything for very long if they're not struggling anymore. It's frustrating!
Having said that, not so much I don't feel like playing, I love this game and want to do it all, if that makes sense? A new pack comes out, I'll try a new Rags to Riches with it or a challenge developed for it and before long... Squirrel! lol
So there ya go, I love to play Rags to Riches, but I'm still looking for that sweet spot, that one challenge to play along with it that keeps my Sims from getting too rich or is so fun to play because of other elements, I don't care if they are rich.
Anyway, thanks for reading if you got this far and...
Happy Simming! <3