I'm in III also, and I think I'm able to keep my lvl 7 PR and lvl 9 coach, and I even made some small newb mistakes. :-)
Wanting too much too fast is wat gives financial problems...
When you're asking for more ways of income, every player will receive them.
=> everybode has more money, buying better players, competing harder, buying even better players, getting into financial trouble, asking for more income...
First your econ, then the results.
Climbing the BB-mountain. Destination: the top.