I think you have that backwards. TAM comes from the league; use it or lose it. DP wages above the salary cap hit come out of the the teams pocket.
TAM once you spend above $1.2mm comes out of the teams pocket. the $2.8mm of discretionary team is owner funded for their team. we are spending somewhere between $1.8mm and $2.1mm above the $1.2mm allocation since we have 5 TAM players now. and gave some away in Tim Parker trade.
"MLS clubs also will have the flexibility to spend up to an additional $2.8 million of TAM, on a discretionary basis funded by the team, per year in both 2018 and 2019, which will further enhance the quality of play across the league."