I try to save up, and then spend it all to make terribly unsuccessful runs in B3.
I'd recommend spending a few seasons filling up your reserves, it'll make it easier for whatever your goal is. This season in Naismith, it seems like everyone apart from Pszczyna is competing so it'll be hard to make much money in Naismith and avoid relegation. It's relatively easy in Div II to be near the salary floor and avoid relegation. And that usually gets you about $2 million a season if I remember correctly. Get some training in, and you can replenish your funds.