Difficulty Settings when starting the game to make things more interesting.
Easy - things cost less, enemies are easier.
Normal - as they are now
Hard - things cost more, much more years are taken when dying. Many more years for items that cost years.
Extreme: enemies are even harder, even more years are taken for items and deaths. The game only saves at 6am. Tax on property. Enemies such as daddy long legs prow the woods at night.