This achievement requires you to be on a manager career mode not player. To get this achievement you need to go into managers office and the click on request funds. There is a catch though, you can only request extra funds during a transfer window and it will be denied during the first transfer window. This means that the earliest possible in game time you can earn this is January 2013. It's also advised to doing well in your matches to make getting this easier. To get this quickly you can choose a good club like Barcelona and sim until January and then request the funds.