Suggested

Finances

I wound up resetting because I had an account that had fallen off and was 9 mil in debt.  One of the big complaints I have that makes this otherwise great game not very fun is that you can sign WTF1 and get 1.1 mil during a race, but even after that and even if I was getting all my bonuses every race I was still HEMORRHAGING money.  Maybe change the dynamics of the sponsors to give you more money as your expenses go up, or if there's a trick to making money that I'm not aware of, could someone help with that?  I don't want to have to burn another account because of this.

I was in a similar situation a while ago, unfortunately the solution I found was; look for a one-car league, keep the cheapest employees possible, and not miss out on sponsorship renewals, in addition to "buying money" with tokens. Balance comes with time, depending on the debt it may take a while...

Pretty much this. Get into a single car league, don't even bother with a doctor at your level because you will get access to better drivers as you level. So its better to see current drivers as stepping stone until you level up to the late teens and early twenties that's when you start to retain drivers. Its ok to use a token after a race to prop up your balance if needed but you want to save tokens for upgrades, don't spend tokens on anything else other than upgrades whilst leveling. It's not a fun way to play but its an efficient way of playing with the goal of leveling up.