They need to build up as much extra money as possible. The only way to do that is in the first 10 rounds. Every dollar they save in rounds 3-10 is money they can splurge with in round 11...and not the other way around...there is no money to save past round 10.
I'm not sure I understand this. Money saved in the first 10 rounds doesn't help you for Round 11, does it?
My understanding is that you have a bonus pool accumulated through the first 10 rounds, then after round 10 there is no pool at all. So can you not use your entire pool for the first 10 rounds and still go over in Round 11?