The benefit is you can invest it when and where you need to.
Bigger arena for more money down the road?
Needing a player or two to push you over the top and win the chip?
I had over 6m saved until I bought my last trainee. Going to save the rest as I demote, already have a large arena and a stable full of trainees. Need to keep salaries as low as possible for next season so I don’t go bankrupt. And depending on which div league I drop to, hopefully won’t have to buy more players to promote back up. Then my hope is with the money I’ve saved, plus promotion money, I can buy the rest of my team to be competing for winning diii and move up to dii.