I really enjoyed this game, the atmosphere was great, and a ton of customizable elements like clothing and houses, as well as some nice touches, such as building a randomly generated snowman, or finding washed up treasures.
Money is pretty easy to earn, you can receive it from leveling up, finding overly-generous messages in bottles which wash up on the beach, diving for treasure, receiving donations, and winning arcade games (which you receive tokens for in your mailbox).
There are 3 shops, (excluding the Town Hall, where you can pay a small amount to change your name and bio) the Mart, (food) Clothing, (derp) and Decor (home customization).
There are also toys, which you can play with in your home and are earned through arcade games as an additional reward, I'm sure these are purely for fun, but they're nice to have.
There isn't much I would add to make this game better, but I would suggest more NPC interaction, such as dialog or visiting other houses, even swimming to other islands or more activities like fishing.
Overall, one of the best little simulation games I've played.