BgrIV does not alter the years per turn, only BGRV does. You are experiencing the standard stainless steel tpy.
Regarding the money, you would have even more if you were not using bgrIV. Stainless steel does allow huge incomes, particularly if you use an easy faction and a weak opposing AI setup. And obviously always use VH/VH.
Use BGRV if you want more hardship.
Ps. Use the bgr thread in stainless steel forum. That is the main one for your purposes.