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What should NFL rookies invest their money in early?

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What should NFL rookies invest their money in early?

We have asked almost every NFL Draft prospect in our interviews over the last decade one simple question, What will you do with your first rookie contract?

I have received some pretty crazy answers. I remember interviewing an NAIA prospect one time who said he would buy his grandmother a head stone because she still did not have one at the cemetery. Others say they are going to buy cars, or invest, so I figured I would put together a few options that may make sense for a young football player in the NFL. As a rookie entering the NFL, it’s crucial for players to make wise financial decisions to secure their financial future beyond their playing careers. Let’s look.

Retirement Accounts

Contributing to retirement accounts such as a 401(k) or an Individual Retirement Account (IRA) is a smart move. Many teams offer retirement plans with matching contributions, which can significantly boost savings over time. These accounts provide tax advantages and help build a nest egg for the future. I mean look at the average length of a football player at your position, it is not very long.

Diversified Investment Portfolios

Investing in a diversified portfolio of stocks, bonds, and other assets can help grow wealth over the long term while spreading risk. Many players opt for low-cost index funds or exchange-traded funds (ETFs) that track broad market indices.

Real Estate

Real estate can be a lucrative investment if done wisely. Some players choose to invest in rental properties, commercial real estate, or real estate investment trusts (REITs) to generate rental income and potential appreciation.

For those considering overseas investments, North Cyprus real estate offers appealing opportunities, combining the potential for significant returns with the allure of the Mediterranean lifestyle.


Starting a business or investing in startups can be another avenue for players to grow their wealth. However, this option requires careful research, planning, and management to minimize risks.

Education and Skill Development

Investing in education and skill development outside of football can open up opportunities for players beyond their playing careers. This could include pursuing a college degree, vocational training, or certifications in fields of interest. I hope if a player was to leave college early they would at least continue their schooling to finish their degree, because football is not forever.

Financial Advisor

Seeking guidance from a qualified financial advisor who specializes in working with professional athletes can help players make informed investment decisions tailored to their financial goals and risk tolerance. The NFL has NFLPA certified advisors, they are the ones I would be hitting up. So many people sign an Financial Advisor that are not backed by the NFLPA.

Emergency Fund

Building an emergency fund to cover unexpected expenses, such as medical emergencies or job loss, is essential for financial stability. Aim to set aside three to six months’ worth of living expenses in a liquid savings account.


Investing in disability insurance and life insurance policies can provide financial protection for players and their families in case of injury, illness, or death.

It’s crucial for NFL players to prioritize financial literacy, budgeting, and prudent money management to avoid common pitfalls and ensure long-term financial success. Seeking advice from financial professionals and learning from experienced mentors can also be valuable resources for rookies navigating their financial futures. Please do this players, do not finish your career with nothing to show for it. So many do this, and they walk away with a really nice vehicle and a lot of clothes. Buy something that will hold it’s value.


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