When December 31st comes round each year, you can get players free in June. If you want easy money, get players that you do not really want then get them on a free only if you know that clubs would be interested in him. Then, sell him when you get him on free. Take over a team as you normally would. If their finances are not very good, then take over a rich team like Chelsea, Real Madrid etc. as well as your normal team. Bid over the odds prices for your unneeded players. Stay as the manager until the transfer goes through, then retire. Your first team will now have high finances.