That's net 9 after the $5M. Or if the Reds really can't add a dollar of payroll to this year's team, the money covers Rios and Crain for this year and you can trade Rios in the offseason (where he might have more value anyway).
But I'd submit, if the Reds really can't add a dollar of payroll to this team at the deadline, they're really never going to win anything.
Look at the deadline deals the Cardinals have made over the years and tell me that hasn't been critical in every one of their postseason runs:
1997: Mark McGwire (1.111 OPS over 5 years including 2 division crowns)
2000: Will Clark (1.053 OPS down the stretch leading to division crown)
2001: Woody Williams (7-1, 2.28 ERA down the stretch leading to division crown)
2002: Scott Rolen (6 Time Gold Glover and critical to 2006 Championship)
2004: Larry Walker (.953 OPS down the stretch leading to Pennant and Division crown)
2006: Jeff Weaver (Critical in their World Series against the Tigers)
2009: Matt Holliday (3 time AS and critical to 2011 Championship)
2011: Rafael Furcal (Starting SS helped lead them to 2011 Championship)
See a pattern there?