If the economy of 14 is the same or similar to 13, $20 is a TON of points for RTTS. Maybe not enough to max your guy to a 99, but I think a few times last year I slapped down $5 for training points and that was enough to make a big impact. I used it to increase my physical attributes since I don't think it's realistic for a player to come in at 65 speed or whatever and end up with speed in the 90's. An athlete's speed is something he has already by the time he is 18-19 years old. Nobody shaves a second off their 40 time. So I would buy the training points and put them into speed and arm strength and other innate physical attributes that I think player's should either have or not have from the beginning. Anyways, $5 worth of training points was enough to significantly increase multiple attributes by 30+ points, so I imagine $20 worth would be enough to put your guy in the 80's overall from day 1.