It seems like in div 5 its almost better to go for a an-all 1000 under 4500 cost team.
you play to the competition level, and use all the other money to build a larger stadium while selling anyone of value.
then i suppose buy out some clear cut starters a couple weeks before the playoffs.
but its certainly not a style of play that is easy.
Have 10 4500 cost players = 45,000 3 staff worth 2,000 =6,000.
Net cash flow around $75,000 for about 7 weeks.
525,000 towards arena. Also add in money that the current players sell for. Buy a couple starters for the playoffs worth 200K each. Seems reasonable in div5. requires much attention though to gameshape and looking for players...but a strategy.