Our financial situation isn’t the same as yours. Yours is similar to Arsenal after the move from Highbury - except even worse. What ends up happening in those sort of situation is that the top players get fed up and want to move regardless, so you either be proactive and cash in when their value is high, or ended up losing them for lower amount of money while losing the time that could’ve been used to bed in new recruits or youngsters.
Whether you like it or not, the new stadium + covid means you will be handcuffed for a long time in the market. And with City, Utd, Chelsea, Liverpool + the new Saudi regime at Newcastle, it will be even tougher to get in top prospects in the UK, let alone continental. That’s not an environment any coach with trophy ambition wants to work in, let alone Jose Mourinho.