-10M for being over luxury tax level 1
Wizards Bank
+4M (https://fantasysportsdaily.net/forums/threads/bsl-creation-draft-round-table.8210/) +3M (pre) +3M (sim 1) +3M (sim 4) +3M (sim 5) +5M (playoffs) 21M (still need to do sim 6, end of season claims)
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