you can choose to spend all your money on your starting five,or distribute them on more players(8-10-12).You have to allow every team to pursue its strategy
You can also spend your money on 1 400k-salary monster, and surround it with carefully selected role-players. I am surprised noone has picked this as a strategy. It may not win you the B3, but it may be viable.
"I don't know half of you half as well as I should like; and I like less than half of you half as well as you deserve."