I'll. keep repeating... You dont have to "spend money" to build a significant MUT nest egg...
I'm married with 2 children, a full time job plus 2 side hustles... Meaning I have AT MOST 2 hours a day to play, many days just 1 hour and I have gone 3 weeks without picking up a controller at least TWICE since Madden 25 dropped (plus more shorter breaks of a week or less). I received the 4600 points from buying the Deluxe Edition and the 15 dollars for Season 3's Premium Field Pass (I instantly regretted this). Other than that. I have been NMS.
i made just under 300k from the 4600 points (most of it was Plat players I used for 2 or 3 weeks before quickselling). Those first 3 weeks all the coins I had were from grinding Challenges/Solo Battles/Solo Seasons then investing them into sets that gave me 1.5k - 2.5k profit per set. I'd list then play while waiting for them to sell and then reinvest. When I got over 1m, I started making investments (mostly buying players for cheap early in the week that would play on my team then selling them over the weekend for small profit).
Eventually I found 3 or 4 players that I could snipe for cheap and sell for profit overnight and rinsing and repeating (these 3 or 4 changed roughly every few weeks). Then Id go to the store; find deals that introduced a flood of certain cards into the market then go scoop as many of those cards as I could afford. Then wait 2 or 3 days and sell them for a tidy profit when supply dries up and they go back up in price.
Sometimes, I'd take a loss during a week. But I leaned on my experience trading forex and stocks: I always locked away a reserve I never touched (either as raw coins or LTD/Platinums). That way I always had capital if a deal presented itself and I was never in danger of blowing my account
It took me about a month to make my first 1m. I'm now at 14m with another 2m and I only recently moved into Legends in H2H. This is because I'm far from elite at playing the actual game (but Ive gotten better as the year goes). II've never played ranked, champs or gauntlet and I played 4 games of ZC MUT Draft (won 2). I say this to dispel the notion that I've stacked coins by winning games and getting SB rewards (my best run was going 8-0 then falling 1 game short earlier this week). I plan to be at 20m in COINS and 2-3m in Binder investments going into the SB promo.
My team is usually 90% BNDs and/or LTDs. But I spoiled myself over Christmas with a 95 OVR team (which I've now sold back). I plan to start spending coins during the SB Promo through Sugar Rush then Ultimate Legends & Golden Tickets. Ive played every other Madden since 21 (21, 23 and 25) and gotten better at this as I've gone along. If I can do it with my age, schedule and mediocre game play then 70-80% of you young guns can do MUCH better.
PS: I'm in a discord with several guys who have upwards of 30m coins and are true "No Money Spent". I'd love to hear from other NMS Players doing well. Also feel free to share tips, ask questions, etc. I'm sure the community will be glad to assist.