I usually only have my sims take their personal stuff like collectibles photos and such because I spend so much time building all my worlds and I don't like having to refurnish my lots and definitely not gradually :lol:
the only exception is when I give premade sims new house for first time then I might save some of the rooms on gallery to give them all the items they had that i think should be included in their new house
and i did do the whole take all the furniture with them thing for Jangs when i changed their apartment cause there was no way i was going to replicate that chaotic aesthetic they had going on without doing so
and i did need their old apartment empty for other household anyway so it was also not a problem there
as for money yeah I just skip restrictions via freerealestate but when my sims are on their lot I usually erase their money so they from that point forward have to deal with the bills as usual
even if it was rags to riches you know i still might want to build some wreck of a lot to start with and i feel its just illogical to pay for a ship wreck on desert island for instance
all in all my sims don't really move much except for when their kids move out I usually set them house they can live eternity in
