Sims 4 Economy - Is It Broken?

I wouldn't necessarily say it's broken, but it could certainly use improvement. I agree with a lot of what's been said here about funds not all just going into one big pot for the household; I would love a budget panel, and bills that made sense, or at least a way to see where I was spending the majority of my money. I feel I have a healthy economy in my game. Yeah, most of my sims are filthy rich, but I also cheated to get a lot of them there. Gardening used to be a huge money maker, and I'm sure it still is, but with seasons is does limit to some degree what sims can harvest during the year. I still use the money tree because honestly I hate having to worry about bills. I like my sims to be more social, so the economy in the game isn't a thing I spend too much time worried about. I think if we had the ability to work part-time jobs (maybe multiple part times jobs?) and university as a block to higher ends of careers, that would probably fix some of the ease in money making; the exception being gardening, painting and writing. However, you can do those things less and won't accrue as much money.