You also have to take 2 other things into consideration.
1. It usually takes at least a A/A+ prestige to steal a guy from the next level up, so with a B- your chances are iffy at best and,
2. You have to look at the SIM schools recruiting tab. If the player is the only one there, you don't have enough money to outbid the school, but if he is one of 4 or 5, you may be able to put up enough of a fight that he runs out of money in the bidding war because he has 3 or 4 others to consider and you can possibly steal him because the SIM still has others he needs, wants, or are not in a bidding war and he can get them more easily. NOTE: it doesn't always work, sometimes that one specific recruit is the main one the SIM wants.