After 2024, the Cubs should have more payroll room for the offense to make a splash because we could see more young guys coming up and taking starting spots in the rotation and hopefully on the position side. If we assume Stroman and Hendricks are back for 2024, in 2025 those type of expensive arms may not be needed as they may be replaced with guys like Horton, Brown, and Wicks (with Taillon and Steele) if all goes well.
On the position side, if even 3 out of PCA, Shaw, Morel, Caissie, Mervis, McGeary, can be regulars in 2025+ you get some more surplus and payroll room as well. If e.g. PCA can hold down CF, Morel or Shaw at 3B, and one of Mervis/McGeary/Caissie/Canario etc at 1B or DH then they should have payroll room for a big FA signing after 2024 like Soto, who would probably DH. You should still have room for Bellinger.
Stroman, Hendricks, Mancini, Bote, Smyly off the books after next season is a savings of about 58 million to spend next off season, though I think Steele's arbitration should eat a bit of that. But most other guys are either locked into contract or pre-arb.