One motherlode is too much for my Sims. I used that cheat when I first started playing Sims 4 because I was in a hurry to check out aspirations, traits, and builds from the Gallery. When I look at some of my old games from 2015 now it bothers me that the Sims in those games never had to work for anything. They got everything right away.
In early 2016 I read about a game challenge that involved starting a Sim with nothing and having them earn everything. I tried that challenge and never used motherlode again. The only cheat that I use now is to reduce household funds to $0 when I start a new household. The Sims do just fine. I get more play out of each household because they have to use their time to earn money, gain skills, keep their needs up, and maintain a social life.
