Rather than start a new thread, I figured I'd toss my concerns into this one.
I just inherited a team with a very good future, but not much in the present. I signed a couple FA to help me out (and I'm currently leading my division, albeit with a sub-.500 record). Even after that, I still had $28M left in payroll. I maxed out my prospect payroll and upped everything else by the min. $4M. So the best I can do with that money is transfer it to prospect and have $34M. My IFA scouting was at $14M (as high as I could get it first season), and I didn't see a single IFA all season worth even $5M. And I was ready to spend early if I had to - it wasn't a question of hesitancy on my part. I flat out did not see any IFA I would consider even remotely close to a stud.
So now I'm stuck with $28M of wasted cash, and I realize IFAs aren't guaranteed, but I think when we're forced to swallow default budgets, that we should get a little more flexibility with that money. I would have invested it elsewhere if I could, but none of the high-end FA wanted to come to my team. Not sure what I'm proposing, but there has to be some way to allow a little more flexibility in your first season in a world, with the default ratings.