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@LonelyFew - I merged your posts into the bug report thread.
@CGrant56 shared a way to get around the issue if you're trying to place a sim into a lot - in this post: https://answers.ea.com/t5/Bug-Reports/NEEDS-INPUT-Sims-downloaded-from-my-gallery-catalog-do-not-have/m-p/8631892#M119307
Could you try using the money cheat to set your sim's funds back to 10,000 simoleans? (use a "save as" copy of your game; don't save anything to your main save for now)
Use ctrl-shift-c to open the cheat console window
type "testingcheats on" without the quotes
type "money 10000" without the quotes
type "testingcheats off" without the quotes
Your household funds should go to 10,000 simoleans and you should be back to where you started. Please let us know how this goes
(*edited to say you can use any amount with the cheat, so if your sims had 540,000 simoleans, just use "money 540000")
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