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I started a fictional league using owner decides but he only allowed me to use about half of the $40 million revenue that the team was projected to have for the year. There were two contracts on the team that totaled about $11 million per year and the major league mininum for the other 23 players used the entire remainder of the budget. If I wanted to be able to do anything, I had to switch off the owner decides. I simply set the cash max to $10 million and made the entire revenue available and everything seems to work fine.
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