the upkeep system is incredibly dumb. it shouldn't be going back in time to penalize you if you didn't have enough money when you were born to pay your rent in your 30's.
what a stupid idea.
this game is a classic so it gets a decent score. but the way xgen doubled down on that dumb upkeep system rather than listening to the players who are much smarter than the developers and fixing it so the upkeep is calculated at the end of the round (both cost and payment) cuts off a star. the other half star is because in the 15 years since they released it they could have added to it but chose not to. very bad form.