You can find community-made save files with everything unlocked (all 182+ characters, max Zeni, completed episode battles) on sites like Nexus Mods Budokai Tenkaichi 4 Mod (Fan-Made) This is a comprehensive mod for Dragon Ball Z: Budokai Tenkaichi 3 on the PS2/Emulator. Emulator Save Location (PCSX2): You can manage saves by going to Settings > Memory Cards
PC (RPCS3 / PS2 Emulator) | Note: Not for official PS2 hardware unless converted dbz budokai tenkaichi 4 save file
Budokai Tenkaichi 4 is not an official game but a complete overhaul mod of BT3 for the or Dolphin (Wii emulator) . It adds over 100 new characters (DBS, GT, movies) and transformations. You can find community-made save files with everything