Creating Wealth for NFL Players WHAT DOES MONEY MEAN TO YOU?
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1 Creating Wealth for NFL Players WHAT DOES MONEY MEAN TO YOU?
2 What Does Money Mean to You?
3 The Reality of Money In the rap business you re only as good as your last hit, so count every dollar as if it were your last dollar. -- Ludacris in MTV's Hip Hop Money
4 What Does Money Mean to You? In this country, you gotta make the money first. Then when you get the money, you get the power. Then when you get the power, then you get the women. Tony Montana in Scarface
5 What do you think about more, sex or money? A. Sex B. Money
6 What do you think about more, sex or money? Money (56%) Sex (44%)
7 Having lots of money means that I am: A. Successful B. Secure C. Independent D. Important
8 Having lots of money means that I am: Secure (60%) Independent (21%) Successful (17%) Important (2%)
9 What is the first thing you want to do with your bonus or pay? A. Buy a house for Mom/Dad/Grandma B. Pay off debts C. Buy a nice crib or car D. Pay yourself first: Start saving or investing
10 What is the first thing you want to do with your bonus or pay? Pay debts (42%) Pay yourself first (34%) Buy a nice crib or car (18%) Buy a house for Mom/Dad/Grandma (6%)
11 Money is important to my happiness. A. Agree B. Disagree
12 Money is important to my happiness. Agree (70%) Disagree (30%)
13 Four Keys to Happiness 1. Live the life you want to live 2. Be good at what you do 3. Feel good about yourself 4. Develop healthy, meaningful relationships
14 If I am in control of my money, I am in control of my life. A. Agree B. Disagree
15 If I am in control of my money, I am in control of my life. Agree (68%) Disagree (32%)
16 What Do These Sports Stars Have in Common?
17 These Athletes Have All Had.. MONEY PROBLEMS
18 But this is changing... As a smart athlete, you must hold yourself accountable for: Your lifestyle Your relationships Your successes and failures on and off the field Your finances
19 Tiki and Ronde Barber Troy Vincent Emmitt Smith
20 Your Challenge Turn relatively short career with big paydays into a lifetime of financial security
21 Roadmap to Wealth 1. Control spending: Pay Yourself First! 2. Keep debt low 3. Understand how money affects you and your relationships 4. Educate yourself 5. Work closely with financial advisors
22 1. Control Spending... It s a lot easier to spend $780,000 than you think.
23 Where the Money Goes... You re about to receive your signing bonus: $550,000
24 Where the Money Goes... Bonus and Salary: $550,000 Signing Bonus +230,000 Salary $780,000
25 Where the Money Goes... The first cut goes to
26 Where the Money Goes... Your Agent!
27 Where the Money Goes... $780,000-23,400 Agent s fee* $756,600 *Typically 3%
28 Where the Money Goes... The next slice goes to...
29 Where the Money Goes... The I.R.S.
30 Where the Money Goes... TAXES (Federal, plus state and local, Social Security, Medicare, etc., etc., etc.)
31 Where the Money Goes... $ 756, ,000 Taxes,FICA, etc. $ 366,600
32 * Where the Money Goes... $ 366,600-10,000 Union Dues - 13, (k) - 75,000 Pre-Draft Loan $ 268,600
33 Where the Money Goes... You need a place to live...
34 Where the Money Goes...
35 Where the Money Goes...
36 Where the Money Goes...
37 Where the Money Goes... $268,600-75,000 Closing Costs, Mortgage Note $193,600
38 Where the Money Goes... House for Mom...
39 Where the Money Goes...
40 Where the Money Goes...
41 Where the Money Goes... $ 193, ,000 Renovation of Mom s house $ 93,600
42 Where the Money Goes... Wheels...
43 Where the Money Goes...
44 Where the Money Goes...
45 Where the Money Goes... $ 93,600-23,500 Lease and maintenance $ 70,100
46 Where the Money Goes... There are living expenses...
47 Where the Money Goes...
48 Where the Money Goes... $ 70,100-20,000 Crib Furnishings - 4,800 Groceries - 8,400 Utilities/Cell Phone $ 36,900
49 Where the Money Goes... And then there are LIVING expenses...
50 Where the Money Goes...
51 Where the Money Goes... $ 36,900-15,000 Entertainment/Gifts - 15,000 Wardrobe - 10,000 Travel -$ $ 3,100
52 Where the Money Goes... Cost of Dangerous Liaisons
53 Where the Money Goes...
54 Where the Money Goes... Cost of Dangerous Liaisons Child support ($60,000-$120,000) Legal bills ($20,000+) Bad Publicity
55 Roadmap to Wealth 1. Control spending: Pay Yourself First! 2. Keep debt low 3. Understand how money affects you and your relationships 4. Educate yourself 5. Work closely with financial advisors
56 2. Keep Debt Low Good Debt vs. Bad Debt
57 2. Keep Debt Low Good Debt Something you need that you cannot afford otherwise (such as a house, car, education)
58 2. Keep Debt Low Bad Debt Borrowing for something you could do without or that puts undue strain on your finances
59 Roadmap to Wealth 1. Control spending: Pay Yourself First! 2. Keep debt low 3. Understand how money affects you and your relationships 4. Educate yourself 5. Work closely with financial advisors
60 3. Relationships And Money Requests From Immediate Family
61 3. Relationships And Money And Extended Family
62 3. Relationships And Money Requests From
63 Roles that money plays in your life Payment Bribe Reward Punishment
64 Roadmap to Wealth 1. Control spending: Pay Yourself First! 2. Keep debt low 3. Understand how money affects you and your relationships 4. Educate yourself 5. Work closely with financial advisors
65 Roadmap to Wealth 1. Control spending: Pay Yourself First! 2. Keep debt low 3. Understand how money affects you and your relationships 4. Educate yourself 5. Work closely with financial advisors
66 5. Work Closely With Advisors Financial success is a team sport To succeed today, you need a team of advisors
67 Building Your Team Agent Accountant Lawyer Financial Planner Money Manager You
68 Who You DON T Want on Your Team Anyone who says I ve got a great idea for a sports bar-restaurant restaurant-nightclub- laundromat spot $100,000 and you re in!
69 Your Financial Team Should Have a Coach Who Is... Experienced Trustworthy Willing to keep you well-informed and has a long term plan for your money
70 Your role on the team should be: 1. To meet with team members 2. Understand your financial plan 3. Be willing to stick to the plan
71 Evaluating Your Financial Team Comfort Clarity Cost Competence
72 How good are your chances of retiring rich from the NFL? A. Very good B. Fairly good C. Not very good D. Not good at all
73 I will learn how to manage my money so I can retire from the NFL a wealthy man. A. Agree B. Disagree
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