None of the money you have will be there when the world rolls over. Once you are done recruiting and are ready to start exhibition, you will have a full roster. The world will be paused and converted. When Exhibitions start, you will have a scouting budget (based on how many seniors you have) and a recruiting budget (again based on how many seniors you have). Scouting starts as soon as the exhibition season starts. You will have the few weeks to scout and then recruiting begins with about 5 games left in your regular season for the 1st session. 1st Session ends right before the conference tournaments. You can continue to scout the whole time. After the NT ends, second recruiting season begins (money for scouting and recruiting is added based on attrition (cuts, EE, etc) You DON'T get new money for those seniors. Once Second season is done with, all extra money goes away and when the next season starts, the whole process begins over. Instead of carryover money, there is a big bonus in recruiting for your and your league's prestige as well as your level (D1,D2,D3)
The big thing to prepare for is anticipating your losses from cuts, EE. You can recruit and get guys interested in the first session who won't sign until second and then when your guys leave, you can try to sign those guys and be ahead of the game.