If you’d prefer an easier time or feel like being creative, unlimited money can be activated when starting a new city. Are citizens complaining about a high crime rate? Better build a police station, people won’t remain where they don’t feel safe. Should you need higher skilled workers to fill these roles, invest in education.
Prioritizing commercial and industrial zoning over residential means you won’t have the necessary staff to keep factories afloat, but doing the opposite creates high unemployment.