@tamilan:
Well, i would always advise to first get enough money on the bank so you can get the max office interest bonus. Than the choice is up to you. Or you go for your own talents (but know that your facilities can't be super high because the monthly costs are quite steep) or you can just invest in training facilities (bring them a bit higher like to level 15 or maybe even 16) but you need to invest your money into buy own youth star players. Or you can also just go for traaning academy 14 and have more financial space to buy top players.
Quite some roads you can choose i would say. But the facilities i have now, are financially the max without spending too much time into transfering players. If you go higher, you have to fight against bankrupcy I think.
If you are doubting: In all scenario's i would say, go for training academy 12 because that seems most safe.
Also: A tactic that i haven't noted to often but if you just keep your TA and YA at 11 and purely invest money in top players (like really top). Might also be interesting BUT I do not know if you players will be able to stay at a high level for long since they are most likely around 28 years and the skills start to drop if your TA isnt high enough.