When I first started out, I had the same theory about buying vets to make my team a contender immediately, and it payed off, as I won the D.V title that season. But that's easy to do against a bunch of bots, as you can spend relatively cheap money on an average player that can be a star in D.V. Once you get into D.IV and D.III though, it becomes very difficult to continuously buy quality talent on the TL and stay afloat financially, as its not really a linear relationship between player talent and player cost, from what I observe. But more power to you if that's your game plan.