Do you use money cheats in your game (Sims 4)?

The only time I use money cheats anymore is the freerealestate cheat when first moving a sim in. Then I'll use another cheat to take away all their household funds except for 100 semolians. If I do use the motherload cheat, it is because I have a new pack and I'm just wanting to see what going on in that pack. I usually don't keep those sims though.

Using it all the time, especially when in the mood for building and decorating.
Can't be bothered to wait, have million other fun things to do :)
Progress through careers for the unlocks mostly.

I never use them on my main families but sometimes I create new families just to play them for a little while (sometimes it's nice to get a break from usual sims) or test some new feature and then I will use it. But in long-term play I think having all the money in the world is boring. Which is why I also like to occasionally have my new generations start from scratch instead of just inheriting their family's money, house and stuff.

I never use money cheats as I prefer working families up and progressing through careers etc.
If they want something or I want them to have a new object I'll make them work and save for it

always i always cheat in the sims4 more money max skills from the start

If you count freerealestate on, then yes, I use money cheats all of the time. Otherwise, I only boost certain households. My Cantrell family is very well-to-do, for instance and if I start them out as a whole family in CAS, then that requires I cheat up their bank account. Can't be considered 'rich' if you have little to no funds, now can you?

As for my ancestral game save, both sides of this family branch were well-to-do. So, I start the heads of each household out with their pockets full, so to speak. Since the eldest two children from said households married early at just 16 and she 15, they didn't start out with much, other than wedding gifts (household goods, mostly). So, I don't necessarily cheat their funds. He gets a job, instead. Later on, he earned his own way. Oh, and since his father gifted him the land they built on, and he build a modest wood cabin by himself, then of course, I give it to them using the freerealestate on cheat. Why should he buy that which he built from the trees on the land?

Every now and again, if a family gets into serious trouble, I will cheat a few § their way. But, other than that, it's only upon occasion.

Never, I find it extremely easy to start making money in the game.

Only during the world building phase of a game, i.e. before I even start playing. I don't use cheats during the game play because money is almost too easy to make in this game.

I'd never have any fun if I had to wait until my Sims earned enough money to do and have everything I want them to do and have. Rags to riches has never appealed to me. I complete careers because they're fun and to unlock the career rewards. I don't use a cheat to unlock those because I see it as a challenge to earn them properly.

It’s hard to buy a decent house for my families with 20,000 simoleons so.....