I put in other for the answer, because I used money cheats all the time in Sims 2, and in Sims 3 when I played them. For Sims 4, one save file is exclusively used with money cheats, because I wanted my big families to have big houses. My other save files I don't use money cheats for, and I remember from previous games, you can have a family, and create a sim to move in later on, which will often bring in the much needed money without painting or knitting.
I don't use cheats for my other saves, because I want to get the trophies, and see how long it takes my families to be able to move into the nicer houses. I also do download houses from the gallery as well, so that helps with moving big families into affordable houses.