Telsey, my Founder James didn't come with any money! He did marry Holly Alto, but she only brought $2000 with her. For some reason, she didn't bring that expensive car that other players got (sore spot here). But yes, they're doing alright financially at this point. James catches 5 or 6 deathfish every night, Holly paints and sculpts, and James salvages at the junkyard on his way home from the graveyard. Oh yeah, he also stole all the cars in town when he first arrived! They are also probably farther along in the game than your group - I think they're somewhere in week 5. James is just about to age up to elder. If your sims haven't been salvaging from the junkyard, I highly recommend it. They would probably have starved in the early stages without that.