🏦 Financial Management
Manage income and expenses for long-term success.
Income
- Match tickets, competition prizes, player sales, loan fees.
Expenses
- Player and staff salaries, competition fees, stadium maintenance, debt interest.
💡 Keep salaries proportional to your income!
📉 Bankruptcy
Bankruptcy happens when your cash falls deeply negative.
Consequences
- Club marked as bankrupt.
- Assets placed in forced auction (including your stadium!).
- Debt interest continues accumulating.
⚠️ Bankruptcy is devastating! Extremely difficult to recover from. Always watch your balance!
How to avoid it
- Never spend more than you earn.
- Keep salaries below 60-70% of income.
- Upgrade your stadium to increase revenue.
♻️ Second Chance Law
The Second Chance Law stops a club from disappearing because of debt: if your cash stays deeply negative for several days, the club is liquidated, but it gets a fresh start instead of vanishing.
What happens
- All outstanding debt is forgiven.
- Paid players and staff are released (free ones are kept) and the squad is refilled up to the minimum.
- The club drops one level.
- The stadium is force-sold for part of its value.
- You receive a minimal survival fund to sign up again and start your comeback.
⚠️ It is a harsh blow, especially in higher divisions: you lose squad, level and stadium.
How to avoid it
- Don't spend more than you earn.
- Keep wages below 60-70% of your income.
- Watch your cash before interest piles up.