If you use money cheats in your game, do you increase or decrease your Sim's funds?

I like my sims to start off with he regular amount of money, unless I'm making a story where the sims are rich. When I want a challenge, I make my sims start with 0 cash.

I do give my scientists laboratory house 5-20k every so often though. I pretend ny scientists are receiving grants from FutureSim Labs for their work.