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I think the settings if you touch nothing just aren't right for fictional. If you click on 2021 settings in league setup for financials and/or LTMs they will change. I have no idea what those settings are since it isn't 22 because that isn't an option and it isn't 2021 because you get different numbers when change to 2021. I would reset finances to some historical year. This seems to always been the case. If you just run it out of the tin some things can get weird. So I always select the year before the current version for financials.
A possible fix. YMMV no guarantees.
1. Next preseason reset or whenever you can. I think you have to wait to preseason set financials to 2021 or so other year. (optional)
2. Go to leagues and teams.
3. In the league functions drop down select all league functions
You don't have to do all of the following but you do have to do 4.
4. Assign fictional fictional financials to teams.
If you want to do the following do them between step 3 and 4 I am not sure it is needed.
1. Make Fictional player contracts
2. Make Fictional personell contracts
IIRC the game will set market size, revenues, and budget on payroll of each team when assign fictional finances. In previous versions I always did this after the draft. Come to think of last version just out of the box settings seemed to have almost every team but mine in the negative.
Part of the problem is the owner seems to vastly overstate the draft budget at least in 22. I would find it looked like I was in the red but after August when the picks were finalized and I spent half or less of the budget I was in the in the green. This mucks with trading because teams really have money but they are projecting a loss. The projection doesn't change until the draft signing deadline and that is after trades are over. I didn't find it impossible to trade for high paid guys but very very hard because few teams if any had money.
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