Kevin Phillips' penalty winner earned Palace a 1-0 Wembley win over Watford and the accompanying £120million windfall.
But rather than spend, spend, spend, football finance expert Professor Tom Cannon of the University of Liverpool believes Palace should follow Swansea's example.
"Swansea are the role models for anybody who wants to survive, prosper and not go bankrupt," Cannon told Press Association Sport.
"What's got you promoted will probably, in terms of the operation of the club, get you to survive.
"The temptation is to desperately plan as if you're going to compete, but you have to plan for relegation; don't plan for winning the Premier League.
"You've got to be very clever in the transfer market. You've got to make absolutely certain when signing players that you sign players with contingencies. And the motivation powers of your manager become crucial.
"Ian Holloway has a good reputation for being able to motivate players. He did that with Blackpool, at least initially."
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