depends on the league. if no one has a higher coach budget than $12M, and you have $14M, you'll be in good shape assuming you all have similar returning coaches. if you look at my teams going back however many seasons, you can see how much value i place on training personally (note that i took over CHI mid-season two years ago), but it also depends on the health ratings of your players and the kind of development they need (skill/blue ratings versus strength/yellow ratings).