The most annoying part of Football Mogul is when you go to draft a player and you don't have enough cash to sign him. You often have to trade away picks for cash, just to limp through all 7 rounds of the draft. In addition to being annoying, the cash requirements aren't a realistic portrayal of today's NFL.
Football Mogul 20 eliminates these constraints, letting you focus entirely on football operations and staying under the salary cap. If you have a draft pick, the game ensures you always have enough money to sign him.
If you liked the old way of doing things, you can go into the Options Dialog and change from "General Manager Mode" back to "Owner Mode" (see below).
General Manager Mode: The default game mode, putting you in the role of General Manager, controlling football operations while the "owner" manages all revenues and ensures you have the funds to build a team. In this mode, the only limit on your personnel budget is the league salary cap.
Owner Mode: Gives control over the financial operations of your franchise, requiring you to set ticket prices and manage expenditures in order to maintain positive cash flow. In Owner Mode, you are required to maintain a positive level of cash in order to draft players, sign free agents and extend contracts.