Start a new career eg. (John Smith) and exit the game. Go to My Documents\Tiger Woods PGA TOUR 2004\Career\Players folder and open the players name you created (John Smith.plr) with a hex editor (Hex Workshop or similar). At offset 00021616 change the values to FF FF FF. This should give you about $1.5 Billion. This should be more than enough to complete career level by increasing your Attributes. This also should not affect your winnings. i.e. your winnings still show the correct ammount you have won, but you will have $1.5 Billion in the bank.
I'm trying to do this to make money, I have the exact same game, folders, all. But when I get in, I only have a 00021615, and I don't know what to do. Any suggestions?