That's why I suggest a change which would allow you to save money for replacements without any punishment. Combined with the idea of being able to invest into your stadium it would look something like this:
- 1. Bank money: This is where all your gold goes. You can purchase anything with this money, everything above 150k bank savings counts towards your TV (just like now).
- 2. Player Fund: You can transfer any amount (min 10k) to the Player Fund from the bank. The money saved here can only be spent on buying new players for your team.
- 3. Stadium investments: You can transfer any avaiable sum from your bank to work towards stadium upgrades step by step. You have to invest at least 10k.
Edit: I just wanted to make clear that my primary concern with this post is not to nerf killy teams. You can happily ignore my thoughts on how certain mechanics change the game's balance, just do me a favour and focus on the main list of suggestions at hand.