In my honest opinion, Sims 4 is just way too easy! Seriously, all my Sims get rich and get good jobs without even breaking a sweat! I don't use cheats, I don't download somebody else's work, it's just...
Have you tried to play with a larger household? Sometimes playing with several Sims at once can make things more challenging, like a group of roommates with different jobs, lifestyles, goals and personalities, or a large family with toddlers, children, teens and elders.