The 49ers are masterfully weaving financial strategy into their roster moves, using intricate contract structures to stay under the cap while keeping stars like Purdy, Bosa, and McCaffrey locked in — even if their base salaries look surprisingly low. With Purdy’s 2026 base salary at $8M but $46M guaranteed, and key players like Warner and Aiyuk carrying zero guarantees that year, the front office is clearly playing chess, not checkers — all while ensuring they don’t blow past the cap. It’s a high-stakes game of numbers, timing, and long-term vision.
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