Most people play AAE, and give as much support to Russia as they can. They put the 12$ into Russia, and take Middle East money out of Britain or USA.
Well, when you start to play the game more often, you start to see a patern set in. The game is decided in 6 or 7 turns. No matter how much you put in, Russia cannot stop the German advance.
So, I firmly believe you are better off giving the 12$ to Britain, and taking some (if not all) of the Middle East payments out of Russia’s bank account.
What does this allow? Well, a quicker allied counter attack, destroying those Uboats quickly. A destroyer in the North Sea, or Celtic sea, or off Canada, they could all help destroy subs quicker.
12$ isn’t going to make much difference in Russia. Germany will be in Belorussia on Turn 6 easily. Moscow on turn 7. The allies must take Germany before Germany takes Moscow.
Also, bid money should go to British fleets. Try to get that Celtic fleet to survive, its out of reach of most German fighters.