Preach it.
Having just created a Utopia team, I'm training on a budget: I acquired three MVP 19 year old US prospects for around 200k total. By all means, train the players you want, but the higher POT is where the money is at. Pick up a lvl 5 trainer, train secondaries, fill in the holes and you'll make a lucrative profit.
I don't particularly like to give managers advice unless they seek it, but there is a lot of money to be made on the TL right now. Take it or leave it. The rich will get richer.
"You will lose." -Ivan Drago