New families with negitive money

@waytofargone  Please test in a clean user folder, for comparsion's sake.  Move your entire Sims 4 folder out of Documents\Electronic Arts, and when you launch the game, a clean folder will spawn with no content.  (Your saves and other content will be intact in the folder you've moved but temporarily not read by the game.)  Don't add anything to this folder yet; just see whether the same issue happens in a new save.