EDIT: Here's a link on simmer's thoughts who use money cheats: https://forums.thesims.com/en_US/discussion/963065/for-players-who-use-cheats-what-are-your-gameplay-objectives#latest EDIT 2: Here's ...
I almost always use freerealestate when I first start a household, but otherwise I rarely if ever use money cheats unless I'm testing something out or moving my household to a new save.