OK, you are right and smart, and I am wrong and stupid. Satisfied?
Chelsea spent £179m in the summer. I dont care how the recouped that money, we are talking about how much they spent.
Man Utd spend £148m in the summer.
Check the transfermarkt.co.uk
Ignoring the fact that Chelsea gets most of their money coming from player sales which United didn't and Chelsea spent their 179m all almost coming from player sales, United spent 150m money coming from revenue.
Let's imagine swapping all United players for Chelsea players, assuming United sell the same amount of players Chelsea sold last summer for 176m and spend 176m on signing players from player sales, United would add 150m from their revenue for Lukaku, Matic and Lindelof so that would mean United's total spending would be £329m.
if Jose wants to overhaul the squad last summer, Jose could sell money from Mata, Shaw, Fellaini, Blind and Darmain for 125m but he'd be the risk of not getting the target he wants to sign and the squad will be shorter in quality depth. Last season, United have 2 left to fill the spots for squad max 25 men so he added Lindelof and Matic to fill spots but the squad is not balanced. Jose'll have 3 spots left to fill with new signing after the departure of Carrick, Fellaini and Zlatan this summer and perhaps considering an upgrade replacement for Blind, Darmain and perhaps Mhki if his target finally wants to join.
United's policy in the transfer window is completely different to Chelsea, United will always give the £150m net to the managers every season but want big signing names like Griezmann. Chelsea will find money, their players and academy is their main source income for the transfer window and their policy is sell and buy. United board have backed Jose more than Chelsea would back. United don't need austerity programmes so Jose can spend whether he wants with a 150m net but if Jose wants more than this, Jose has to sell players he wants to get rid of and recoup the money.