If you really want to make it realistic, give the sim 5 of the following 6 traits: slob, mooch, unlucky, inappropriate, insane and loser. Pick the LTW Living in the Lap of Luxury (if it doesn't come up at first, go back to pick traits and just accept them again), but here's the catch: you're not allowed to build on the lot until you have amassed enough cash to build a home that would complete the LTW ($100k). Buy an empty lot, and remove the rest of your cash (use can use the familyfunds cheat). No jobs! You can buy items that you can carry with you (books, food, guitar, portable stereo, laptop). No traveling. No selling items! No using the cell phone (which includes opportunities). No taking classes. You can have relationships, even get married and have kids, but you aren't allowed to either move in with anyone or have anyone move in with you.