You have 3 million to spend. Budget and salary cap are separate.
eg.
1:
If you buy a free agent for 1m, then his salary will be 1m. So, you then have 1.5m left from your salary cap, and 2m from your pile of cash.
2:
You buy Di Luca from La Gazzetta. You pay mrlol 750k. Di Luca's salary is 350k. That means you have 2.25m left from your cash, and 2.15m left in salary space.
Buy a free agent - price you pay will be his salary.
Buy a rider from another team - salary will be whatever it currently is.
Any money left over, you can spend it on training.
I do believe you need clarification on the second part.
You pay mrlol 750K, so your overall money goes down to 2,250,000. Your cap, as you've said, goes down to 2,150,000, but it goes down further as technically you're spending money on wages. So the actual amount you'd have left is: 2,150,000 salary cap, and only 1,900,000 money (for transfers, wages, free agents, etc).
You should think of things this way:
You have 3 million to spend on riders, wages, transfers, training.
The only thing that is stopping you from buying everyone is the salary cap. Which is at 2,500,000.
It really is a simple concept, once you get it, easy as pie.
In that, you can't spend more than 2,500,000 on wages. What you do with the rest, no one else gives a flying toot.
No one will look at you and laugh if you spend 3,000,000 buying one 50,000 waged rider, and then get another 19 50,000 waged riders, and are massively under your cap. There's no minimum you have to spend, it's just preventing teams from having too many good guys.
It's to prevent the la gazzetta team, for example, who gets one of the largest budgets, from buying lots and lots and lots of the good guys to add to their already amazing team.
Take you ride in the CT Tour. You recieved a budget of lets say 3.500.000€. Your salary cap is 2.500.000€.
So
3.500.000 - 2.500.000 = 1.000.000
So you got 1.000.000€ left on transfers, training and other stuff. But with the example i took, your cap is at it max, so you would have to fire a rider.
You have 3 million to spend. Budget and salary cap are separate.
eg.
1:
If you buy a free agent for 1m, then his salary will be 1m. So, you then have 1.5m left from your salary cap, and 2m from your pile of cash.
2:
You buy Di Luca from La Gazzetta. You pay mrlol 750k. Di Luca's salary is 350k. That means you have 2.25m left from your cash, and 2.15m left in salary space.
Buy a free agent - price you pay will be his salary.
Buy a rider from another team - salary will be whatever it currently is.
Any money left over, you can spend it on training.
I do believe you need clarification on the second part.
You pay mrlol 750K, so your overall money goes down to 2,250,000. Your cap, as you've said, goes down to 2,150,000, but it goes down further as technically you're spending money on wages. So the actual amount you'd have left is: 2,150,000 salary cap, and only 1,900,000 money (for transfers, wages, free agents, etc).
You should think of things this way:
You have 3 million to spend on riders, wages, transfers, training.
The only thing that is stopping you from buying everyone is the salary cap. Which is at 2,500,000.
It really is a simple concept, once you get it, easy as pie.
What I've posted is the way I remember it working last year.
Easy as pie, if what you're saying is true - but an incredibly stupid system. Why would anyone waste money buying a rider - especially a good one - from someone else?
So, I had an initial budget of 5,117,000. I overspent on my riders. Ie my Cap went over 2,500,000. So I loaned out one of my riders. I was then 300 euros under cap (good), and with 20 riders (the minimum).
I really encourage the new guys to go and have a look at the CT rankings for the past 2 years and the rosters of the teams that got promoted. Not one of them had a guy like Menchov or Ballan or Valverde. Mostly because those type of riders have a very limited number of race days to compete and, thus, the points that they bring are not worth the salary they will receive.
On the other hand, most of the teams that get promoted do seem to have a few riders that are not on max in their experience and those riders do seem to prove to be a great weapon for those teams in the fight against relegation in the PT.
p3druh not really if u buy a guy like pozaato i can gurantee u that the team who has it will promote that year when u go for a star try to max his strenghts they tend to go after menchov and make the wrong schedule is about maxizing your points in proportion with your race days...
Anyone who believes 2 big riders can get you a good placing in the CT is free to go the Wii Racing path. Schumacher and Brajkovic, brilliant on paper, the TEAM finished 21st out of i believe 25 teams that competed the whole year.
Hands off! 
