krys, you'll have to pay the 4k but you'll get 5k in return thus netting you 1k. You should think carefully since renaming your stadium in the future will only cost you.
I would go ahead and get things setup now. As you will soon learn HT is a marathon not a sprint so the quicker you start the further along you'll be. Also good trainees will be more expensive at the beginning of the new season so if you can get them now, they'll age at the end of the season so keep that in mind when buying them... but don't worry about that now.
I looked at your players (we can't see the skills but just TSI) and the only 0 TSI player you have is your coach.