You were almost there........
I think the difference here is that our definition of "there" doesn't necessarily align. I went after promotion this season, but didn't have the money to get over the hump. Still thought I had a chance, but couldn't pull it out. Regardless, though, getting to D2 or the NBBA isn't some ultimate goal I have in this game. Mainly, I just want to enjoy it.
So, while I lost some money in those transfers (which isn't shocking, given that a 25 YO MVP big man is worth more than a 27 YO MVO big man every day of the week, especially one with 1 OD...), it isn't a big road block for me right now. I have more than enough bank now to do what I want to do for the next few seasons, which probably isn't promoting.