I play mostly association so I have 100k saved up. I can start many off-line careers with 100k SP and enjoy the mode, this would be the easiest way to do it.
However if you want everything unlock and don't have much VC you have to do as I said in the tutorial:
Start the career
Get drafted
Go off-line
Delete the patch
Try spend all the SP on your player while off-line(the ideal is to have near 0 SP)
Play a game and quit while you are still subbed in with 0:14 left in the 4th (don't exit the game just quit the match)
Repeat until you have negative SP, when you do so buy all the upgrades and dunk pakages, save then exit the game
Go on-line, update and enjoy.
I've done it 3-4 times after the patch, you just gotta keep quiting games until it works, its even referenced in the 2k official patch notes, you just have to delete the patch and keep trying.
To get everything unlocked you need about 250-260k SP, and you can spend the VC on the clothing store it works for off-line careers.


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