Carl's take of ways for improvement.

I often focus on the problems with the sim's personalities and lack there of that I forget I do agree and think money is way too easy in this game. My gardener sims never go broke and they just have to put in a couple sim hours in the am if you grow the right plants. Never really met any millionaire gardeners before...

Every single sim family, end up with loads of cash despite my best efforts sometimes, you almost have to cheat money out to get them to be poor. I wish burglars were in the game just so I'd have a reason to re-buy something again and spend some of the money.