Your Sim is really cool so far! You should definitely set his money to zero. It's really not that hard. He can immediately dig up things like My Sims trophies. I have a Sim who was struggling to find enough money to eat. He just went to the Romance Festival tonight and harvested a bunch of expensive flowers to sell and grow. Your Sim can spend all day beachcombing in Sulani and taking odd jobs. You could give him no money, but have him move in with a kind human who will support him financially.
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And I also vote for jumping into a career!