I feel your pain. I have a team level 34 that is only competitive 1 in every 3 seasons because of the money situation. I build up my tokens (buy 'farming' videos on the T11 website) until I have about 300 and then I can rebuild my squad. I have to use 170 of those to get money from the bank and then buy players. Fortunately the higher you get the easier it can be to buy players for a few tokens each, especially if you buy later on in the season. I then let this team run for 2 - 3 seasons whilst I build my tokens up again. Sadly, this does not always guarantee success. Currenty I have a team that has star ratings at the top of their ratings but I have been put in a league with very similar ratings and I am currently 6th but this team will have to stay the same for at least another season. I do not want to lose this team that I have now had for 4 years but I also enjoy the challenge of keeping this team alive.