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mcity 4 could probably be one of the best of its kind ever. The game is very realistic and involves most of the daily problems a city mayor has to deal with. It is even very difficult to keep the budget balanced. But here is a tip for this: when you start a new city, always create industrial zones and some commercial that will start to generate new business that would add an income to the city and they do not need any or but a few public services. One you have a big budget surplus you start creating residential zones and leaving space for public buildings.