Optimizing life for filling the savings account as fast as possible at the expense of everything else has consequences and your game should reflect this.
You should have stats including your characters age, health, happiness and social skills and have some kind of social media app with your friends constantly trying to invite you out for concerts, nights out, dating? and so on so that you have constant distractions to spend your money on to make it more challenging. Not building up the happiness and social skills stats should have consequences. You should be able to buy a gym membership to keep your health stat from deteriorating.
The consequences of not building up those stats early in your life is poor health, shit social skills and no friends except for the people you work with. But yay, you're a millionaire I guess?
The real game of life is that it's all a balancing act between having your financial house in order while also having a fulfilling social life, health, and happiness