Economy is the hardest trouble to manage this game.
If a player's got early the retirement you've also got a big spot in your budget.
I suggest all retirement is noticed to managers not 1 year but 2 before they left the game.
And while those are in their first noticed year, they can be trasfered showing a red band saying: "This player will retire in 2 seasons" or "This is the last season to trasnfer this player before retirement"
I hope this suggestion is clearly fair to those who decide here in MZ..
Good Game !