I personally use all my stubs earned from selling cards from packs and daily rewards to get my bank up. The bank is so if (like myself) go into a negative weekly income flow...the game will use that to balance your books so to speak. I currently have a bank of just under $700M. So needless to say that I have plenty of cash to use if I need it...
Don't due to having most of my team signed through at least 2024-2025. I am currently in year four of my carryover franchise that I began back in 18. Won't be letting this go until all players (Real) have retired. So this franchise will be going at last several more seasons.
I can't thank SDS for the carryover feature enough love it...