[[FM 2021] How do you create youth squads for teams that don’t have youth teams?]

Basically title. I’m playing with a team that just gives me the youth intake and I have to sign them to the senior team, and there’s no U23 squad that I can sign them to. How can I create one of those?

[I can’t sign anyone (MLS)]

I’m new to the game and I started a save with the Columbus Crew in MLS. The squad was already above the salary cap, but I was able to buy down the cap impact of most of my starters. I also waived six or so players before the season started. Now, when I try to sign someone, the game tells me that I’m above the salary cap with 0 players in (the screenshot shows one player, but even with 0 players in it’s like $5.5m or something). Is there something I’m missing? If I was able to get below the salary cap to start the season, how am I above the salary cap now?