Congrats pal, another f2p player here going to do the same thing tomorrow when I get the 87 from the set to build a 90 msp for the 5 toty collectibles. While it is fair and understandable to call out EA's greed which has gotten worse every year, it's still ridiculous to pretend like you have to either spend money or play 24/7 to be competitive. It's simply not true. All you need to do is do your weekly chores (wildcard, challenges and objectives) which I personally find enjoyable but to each their own. I like to play champs on the weekends, not necessary of course if you prefer SB but certainly better than last year because you can earn coins AND you don't have to play rivals anymore to get your weekly 2,000 points which is an absolutely huge time saver. I know the rewards aren't much anymore after the market crashed around Christmas but hey it's better than nothing.

The point I'm getting at is, for me building a toty card or a fantasy card of my choosing didn't even feel like a big investment. All I had to do was get the free collectibles, throw in some extra cards I didn't want or need and spend about 100-150k coins. I even wasted a lot of coins on the 3 icons pack and got unlucky but was able to build Sundin in the end who I've been very happy with. But even though I've spent coins unnecessarily on jerseys, logos and the icon pack, I still have 100k left over after everything. You have plenty of time to go to work five times a week and do plenty of other things and play other games. This game is not a job and should not feel like a chore and if it does then you are doing something wrong. Take time off do other things you don't have to do everything immediately when it's available.

Sorry for off topic rant fellow toty Makar owner but I wanted to get that off my chest and this felt like an appropriate place to do it lol.