The money problem is easy. Just download a trainer and use that. There are a number of good trainers available so it really comes down to preference.
As for editor the land, inventions, etc., all of that can be done in the scenario editor. Start the game, but instead of clicking "start a new game" or "load a saved game" click on the red toolbox then the option you want. You'll find that you can change a great many things in the game. Hope this helps. Holler if you have questions. I check the forums frequently.