Hello RRMike, welcome to the org, enjoy your stay

You can try one of the many mods there are for MTW. If you like the vanilla game, you could also try my own, The Caravel Mod. Its purpose is to bring out the potential of the vanilla game, while keeping its flavor.

There are many others too, that you can find in the Engineer's Guild and in the Hosted Mods section.

Some of those mods, reduce the income by trade with various means, and do lots of other things to, to make the game more challenging.

Another thing you could do, if you haven't done it already, is increase the difficulty setting.