Your strategy of gutting your team to to save money is terrible. If you want to do it yourself that's fine, but I think it's ridiculous that you're telling new players to do it and no one is calling you on it. At least this is slightly more sane then your "sell every player and don't bother training" advice to another player.
The amount of money saved by having only five "real players" and a bunch of rotating filler will likely not balance out the cost of lost income from having a team that is getting destroyed for a half of a season. And selling your whole team while the market is still down doesn't make a ton of sense from a financial position either.
In addition, it means that the manager won't have the ability to learn how to manage a roster, an economy or tactics.
It is totally possible to build an effective team on a budget that would allow a player to stay semi-competitive without breaking the bank. It's not all or nothing.