Is one Motherlode (50000 simoleons) much money for your sims?

I typically don't use motherlode unless I really need to set up an already established family i created in cas. I like to earn it. Such as two adult parents with kids, realistically they should have more than 20 k to buy a house. I don't like to have that much money in my sims household funds. So yeah that's a lot of money for most.