Its a tough one, because I could be the market for a TOTY Messi, which will undoubtedly poop all over this POTM stats wise.
But then I see that being a 5m+ coin card, and I'm already eying up Mane and De Jong come the back end of January.
I think untradable value I have a good 0.7m coins of SBC fodder (at the very very least), enough to complete a sizable chunk of any SBC. Then I have my tradeable Messi that I could sell. On top of that I've a 1.5 million coins invested in SBC fodder - if I make a killing on that I think I do the SBC, release the profit from selling Messi / SBC fodder, complete the SBC and still end up a good million coins up.
Of course, thats completely dependent on the cost of the SBC and if my investments pay off.