Cardiff have not invested as much as fellow promoted sides Wolves and Fulham, but Warnock is confident with the business the 'Bluebirds' have carried out.
"I think at this level, technically, we're not as gifted as a lot of teams, and you look at the teams coming up with us, Fulham have spent over £100m and Wolves are not far off," Warnock said.
"It's one of those things, whilst it is good to have money, sometimes you forget what has got you there when you have money. You can change everything but it doesn't necessarily mean it is going to work.
"We haven't got that luxury anyhow, we think we've spent it wisely, looking to build for the club for the future.
"I'm sure Vincent [Tan] appreciates it as well that we're not throwing money away or done things we can not sustain. We've got players on loan where if things don't go right - it's not going to bankrupt the club after the next 12 months."
Cardiff kick off their Premier League season against Bournemouth on Saturday.