I've always kept 22, so that on 2 game days I can rotate my whole squad. The cost of wages had always been less than match day revenue so thats not a problem. I may change that this season now that there is a minimum of three hours between competitive games because I spent $30m on day one and I'm now in debt!

It helps that I rarely change my starting formation, but I do have versatile players who can switch positions during the game. I don't worry about the youth player because I won't pay 20+ tokens for a 4* and the 3* would never get near my team