I'm on record as being fine with the approach the Cubs are taking. Building an organization like the Rays that can identify and develop talent? Absolutely, sign me up. Plus, the Cubs have money to spend and they do spend it, as has been pointed out in this thread already. Anywhere from 10-15 in MLB in spending. The Cubs have shown they are willing to spend too. Just don't be stupid with the spending. Don't overpay in dollars or years for a guy like Swanson just because you missed out on other FAs. That's stupid. That's panic spending. That's what the Giants and Padres are doing now. Keep in mind there are more FAs that come on the market every single year and some big ones next year.
The club was trending in the right direction second half last season. The process is working. Stick to the process and don't do something rash or stupid.