Instructions
Select the "Goals" on the bottom left corner of the screen during gameplay.
Complete all 73 actions in the "Goals" list throughout the game. Some of these goals are as simple as learning to fish or annoying a fellow Sim.
Check your completion of the goals by going to the main menu of the game and selecting "Goal Checklist." Here you can see what goals you have already accomplished and which goals are left to pursue. Once you have completed all 73 of the goals, the pawn shop opens and is available to enter.