Just like in FM22 starting budgets are completely unrealistic. My club FC Utrecht gets 2.5 million while they have nthing to spend irl. Do your research FM! In FM22 i had a save where in the second season with Utrecht i managed to finish 2nd and reached the conference league final, which is completely unrealistic IRL. Also other clubs are affected and this ruins a part of the fun for me, as the game is less challenging.