If you’ve been playing for more than 24 weeks (which I believe you have), there’s no benefit to being under the salary floor as you’ll still pay the salary floor fee as opposed to your actual salary fees. This will allow you to build a better team thus winning more games and acquiring better attendances for your home games.
Yes, that was my first thought.
What I would suggest:
Buy some good skilled veterans (33/34+), stay below the salary floor and if you promote "by mistake" just grab the money but strictly follow your training plan!
founded in S3 IV.5 (34234) - returned in S28 IV.7