without knowing ur trainees it is hard to see how u did training wise.. dont post ratings here, pm someone if you want advice.
i would say honestly you have to many young guys.. you can only train 3-6 a week, depending on single pos or 2 pos training, yet your whole team is under 20. work out what you're training, whether it be guards or bigs, and transfer list the other guys. If you're training guards, sell your bigs, if you're training bigs, sell your guards. dont try and train guards 1 week and bigs the next, you will just slow everything down... and remember, potential.. you have a lot of guys there that due to their potential will never be more than orange peelers..
then, whatever position you're not training, invest in a couple of 30 year old 10k-20k plus guys to hold down those positions whilst you train.
you did not invest nearly enough in your arena this year.. you need to get that stadium pumping.. more seats = more income, and you need to build it up as early as you can! especially while you are winning in div 4...
not to be harsh, but you finished 3rd in a league with 4 active managers and the rest bots.. i would think there is some improvement needed....
without knowing, but i am guessing you are over spending on staff.. let us know what ur paying ur staff...