If you do not have the tokens to compete and then you will suffer, unless you can come up with a feasible strategy that some managers have came up with using the standard 35T/season budget.
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I never have enough tokens, so I spend half my day watching vids. I don't have much money so I bid for free agent lvl 3s. I do build them up, they are usually very young.
Mate ! Every manager starts with an average team in the game, every manager has to literally 'steal' players from other managers, and above all every manager has to invest money as well as tokens in the right player to progress and every manager needs to keep doing so every season. You will also have to do this or you can use the shortcut, which is to buy tokens....