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On top of this you get much smaller amounts for friendlies and cup Games. These add up however when you play all your weekly friendlies and maximum cup games.
World leagues generate even more funds.
Player wages are astronomical if you want to compete. So you need to make sure to get mid and end season your money. Don't spend wages on rubbish players. Sack them or sell them. If you want a senior team. Only pay for top 11
Then maybe 1 utility player in position 16.
Or go down the youth route and build cash in the meantime.