Your not behind at all.
I play everyday, only have about 500,000 with the 370k debt to pay off (I only have the second floor), not much furniture, no lighthouse/windmill, do not have a perfect town and I got the game on release.
I play everyday, only have about 500,000 with the 370k debt to pay off (I only have the second floor), not much furniture, no lighthouse/windmill, do not have a perfect town and I got the game on release.