Your current 2020 bullpen pitchers under contract... Kimbrel, Ryan, and Wick. Whichever of Chatwood or Mills that isn't starting. Probably picking up Phelps' option. Then about 250-ish combined innings from some assortment of Webster, Maples, Wieck, Underwood, Norwood and random other AAA guys I'm forgetting. Woof! Bare minimum the Cubs need two more capable relievers. Preferably one from each side of the mound, at least one of whom is a proven high leverage guy. Can the Cubs afford to spend any money on the relief staff this off-season with all the other needs to be filled? Can they afford not to?