Do you find the Sims 4 challenging?

Not really, and I say this as someone who plays large households. Nothing is really that hard to achieve. Kids becoming A students is just a matter of making sure they do their homework everyday. Getting promoted at work is simple, just do all of your necessary tasks before the next work day. Give a toddler a tablet and they can max all but one of their skills by themselves. Keep pets well fed and they're good to do whatever they want. And I never have issues with bills or anything of the sort.

So no, I don't find the game hard at all. The most recent difficult task I had with the game was getting my Sims to become celebrities with Get Famous, and even that wasn't all too challenging tbh.