I don't really believe the people that say RU has, like, zero NIL dollars on hand while what seems like literally every other power conference team has millions. Do I believe that Rutgers is at an NIL disadvantage compared to the average? Absolutely, yes. But the idea that the situation is so dire that we literally have to scrape the 700s in terms of rankings to fill out our transfer class after signing one guy is nuts.
There are plenty of reasons why we might be holding back thus far (many articulated well by
@PSAL_Hoops), but "this is literally all we can afford" does not pass the smell test.