I personally play with budgets on. I think what you're experiencing is a change they made back in MLB 18 (I think). They used to have 2 numbers for budget: money available and pending offers. They have since gotten rid of those (for no good reason it appears) in exchange for pending offers, cash flow, and bank. When I tell you that the "bank" doesn't matter at all, I mean it. For my team to be financially sound, I just have to keep my cash flow at a positive value. While this is not exact, I have found that $30,000,000 in pending offers is equivalent to $1,000,000 in cash flow. I hope this helps.
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Nice_Try_Ramone
@Nice_Try_Ramone