Some further recent observations through L19 team:
* In these seasons, wages & match bonuses increase quickly while competition prizes, sponsorship, and even player values increase slowly. Now it is silly to train players solely aiming at selling him with a better price.
* While it's not easy to save little money on buying players or maximize revenue on selling players, money can be easily spent on win bonuses. A winning team may be sooner to face financial crisis.
* I finally realize that ticket income is not unimportant. If stadium is not upgraded when the team is still financially healthy, a team will probably bankrupt earlier (unless there is investment).
* Average ratings no longer clearly indicate competitiveness of teams. Average rating ratio for a 5* to a 4* L19 team, say 114:109, is not large. Moreover, many teams have strong starting lineup but average rating is lowered because of some low star back up players.
After day 6:
L19 Team: Performances are surprisingly well. It won all 4 matches in league, led in CL, and advanced to playoff in Cup. The team defense has suddenly improved. It's still a good scoring team even though it's defensive minded. Roster has been enlarged but this team still does not have adequate rotation players to handle 3 competitions. My green packs have been consuming quickly.
L11 Team - Also did as well in all competitions. Squad upgrading progress is also satisfactory. All but one remaining 4* players are 1 skill point away from 5*. In last season, my team unluckily lost both league matches to rival team even though it controlled the matches. Hope my team will defeat this much younger and better quality team in coming matches.