$1,500,000,000
The following cheat requires a hex editor. Begin a new career then and exit the game. Then, go to My Documents\Tiger Woods PGA TOUR 2004\Career\Players and open the file for the player you just started a career with (example: Firstname Lastname.plr) with a hex editor. At offset 00021616 change the values to FF FF FF. This will give you around 1.5 billion dollars in the bank.
0% success rate. 

Unlock Everything
Input the following as a password: THEKITCHENSINK
Submitted by penguin. 

Go to: Tiger Woods PGA Tour 2004 Info Page | nGaming Home Page.