Since you are at a point that I was at not all the long ago, I will let you in on my experience.
First, I will say the DDX route was closed to me until I reached level 30 so I saved that money from not making that purchase. Up until level 30, you can pretty much sell each ship then buy each new ship and upgrade as they come along. After level 30, it is not so easy. And a BTW, I also have a 50/50 win/loss ratio. Oh, and play normal games, they give the best balance of cash/XP.
I knew, for an Atlanta I needed at least 175k just for hull (I did not yet have it). I think, like you, I had 70k or so. So I saved. I figured I needed 285k (it is actually more) to buy and outfit the Atlanta and with that goal in mind I ground up to level 32 before I could buy the new ship. Do not sell your old ship unless you are 100% sure you will have enough cash for the new one. (In fact, try to keep one ship of each class, if at all possible - DD, CL, etc.) I saved my money, bought the Atlanta and found I did not have quite enough to put to sea. I think I played 3-5 days longer in my Gearing DDR before I finally took her out.
Now, what about upgrades? The Atlanta can be made into the Juneau II or the Oakland. Each costs 52k but the kicker is, you will have to re-equip which will cost you even more out-of-pocket. If you decide to do this, you need nearly 100k in hand. I was not going to do this but I was going to save for the next CL in line. Personally, I found the Atlanta with 5/54s, not to my liking (echos of, "What's not to like?" are heard throughout the community). So I did buy the Oakland and now have to make even more money before I move to a new class; I am glad I made the purchase.
It would not surprise me if many people go through a period like we have at some point in their careers.
I also found that my crews were not as good as they could have been. I had no Special Service crewman, for instance. The later cruisers have scouts and you will need a pilot. Now is as good a time as ever to think about leveling some new crew. This is what I am currently doing. I went back to the newbie area and started another set of crew with thegoal of improving my choices. This has the added benefit of allowing to make money back in that Fletcher for a while and you still have your DDX for them when they get high enough. Without having to buy every ship as you do this should help to save some cash for that next ship after the Atlanta.
And one other bit of advice, make you gun choices carefully and stick with them for as long as practicable.
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