hmm i ´m at 31 too. Not all of what you said is totally true. Buying Tokens helps but it´s not nessesary. I bought in 3 Years 3 times Token, first time because i made a big mistake and lose all of my Tokens through that^^ and the other two times was last season and 5th last season, for tests how to optimate PT (these Tests wasn´t necessary but they were funny^^)
http://www.youscreen.de/duoocciz65.jpg
the key to take enough money is FRIENDLY MATCHES
i have a full squad of 22 Players, first 11 are for regular Games (this season without CL, because of bad last season through to testing PT only Rank 5-.-). Second 11 Job is make FM´s as much as they can. At 23 Euro Price means about 8 Million cash per FM 3 to 4 FM per Day 28 days means lots of greens blues and reds packs AND (8*28*3,5) pover 700 Million CASH thats enough^^