I think it 's good thing that BB's force us to make choices for our teams.
Do you want that new LVL5 coach? You have to open your wallet for it, so you can't use that money for other investments.
Top teams get the top available because of better income. Low div teams can't have it all.
Long term planning is encouraged by the gradual increase in wage. You know approx how much the staff will ask within months. So don't forget to adapt your financial planning to that. Having financial problems because of that, is a matter of bad management. If you're a decent manager you can pay the wages/transfer sum on the moment you planned.
Climbing the BB-mountain. Destination: the top.