Thursday is the first full day to weigh up the 85-rated RTTK Nwaneri squad after the November 11 drop. Before spending FC 27 Coins, open the live challenge and check exactly what it asks for. Then look for the same version of the card on the transfer market. That last bit matters: if this version is exclusive to the SBC, there may not be a market copy to buy at all. In that case, your choice is simpler. Build him at the current cost, or keep your players and coins for something else.

What the squad really costs

Start with the players already in your club, but don't treat them as free. An untradeable card still has a use elsewhere, and a tradeable one could be sold. Check the rating, rarity and any other live requirements before you start throwing players into the builder. I'd also leave out anything earmarked for another challenge until I've priced that one too. It's easy to finish the shiny new SBC and realise the next upgrade needs the exact cards you've just submitted.

Once the club pieces are in, price the remaining slots using current listings. Search each rating and rarity separately, then check whether the cheapest cards actually fit the squad. One awkward requirement can push the total up quickly. If you're looking at a market copy, make sure it's the same Nwaneri version, not a cheaper card with a different rating or item type. Take a minute to check the expiry time as well. There's no reason to rush the build if you've got room to wait.

A quick club check

1. Read the live requirements before selecting players.

2. Price the missing cards and protect pieces needed elsewhere.

3. Compare your options against the minutes Nwaneri will actually get.

Reality check: I've built enough new cards to know that getting them into the team is another matter.

Build, buy or wait

Here's the comparison I'd keep beside the squad screen. None of these routes needs a guessed price: use the numbers you can see in your own club and on the market. A buy option only counts if the exact item is tradeable and available. If it isn't, don't let the price of a different version make the SBC look better or worse than it is.

Remember that a tradeable purchase can potentially be sold later, while an SBC reward may be untradeable. Check the item before committing, and factor in the market tax if you expect to sell. That flexibility can matter even when the initial prices look close.

The question I keep hearing

A mate asked whether he should finish Nwaneri just because he already has most of the required players. He likes the card, but his current starter is doing fine, and there's another upgrade he wants to try.

I'd price both challenges first. Having the cards helps, sure, but it doesn't make the decision automatic. Keep them if the other upgrade matters more.

Leave yourself a little room

If Nwaneri makes sense for your side, fill the remaining slots at prices you're comfortable with and check the squad once more before submitting. If he doesn't, waiting is a perfectly good move. You can revisit the screen while the challenge is still live and see whether your club or the market has changed. Players who choose to buy FIFA Coins still need to make the same call about value and playing time. I'd rather keep enough room for the next release than finish a card just to leave him sitting on the bench.