yes, in lower - mid levels finance is an issue specially now that there are no free agents.
At that time, my team earned a lot of money from buying and selling them. One season I earned 500 M' from that.
In those levels one good thing is that a power-trained player increase much his value.
Now if I buy a 5* player and make him a 7*, his value remain the same.
But after lv 17, a complete arena is a great thing.
With a friendly game I can get 15M'. With 6-7 games I can buy the most expensive player of my level.
I don't have this luxury either, so after they changed the league draw and almost all the teams of my league have the same quality (usually I 'm playing in a league with 10 teams which have 5*-6* players from the first day).
I changed my strategy and I decided to stay in the same level so to develop my players and the team - as the target is only no1 position
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