I hear you. I was in debt when I promoted. I am good now due to the promotion bonus but if I didn't succeed I was looking at a number of season of rebuilding.
I never pay for draftees so I also got rubbish. It is a waste of time. I have never got anything special with a maximum spend so now I invest $0. Even if I did at 40K a week I would have spent 640K and I am not guaranteed anything. Managers sell their golden picks for less or equal and I can see their skill and potential.