NFL Players' Podcast

In this latest episode of the AWM NFL Podcast, hosts Riccardo Stewart, Jeff Locke, Zach Miller, and Sam Acho dive into the fundamental question every high-earning athlete faces: "Where does my money go?" They discuss the Four Uses of Money framework designed to help NFL players plan for taxes, spending, giving, and saving. With insightful advice and real-life examples, this episode provides a valu...

In this episode of the AWM NFL Podcast, host Riccardo Stewart is joined by Jeff Locke, Zach Miller, and Sam Acho to explore the playbook for achieving multi-generational wealth for NFL athletes. They dive into how athletes can leverage their human capital—physical, intellectual, and social—and outline the crucial steps for managing income, taxes, spending, saving, and investing. The team emphasize...

In Episode 44 of the AWM NFL Podcast, Riccardo "Coach" Stewart is joined by Zack "The Truth" Miller, Sam "The Mayor" Acho, and Jeff "The Professor" Locke, to discuss effective financial strategies for NFL players during the offseason. The hosts delve into topics such as offseason training plans, maintaining physical fitness, understanding NFL pay structures, and the importance of postseason financ...

In this episode of the AWM NFL Podcast, host Riccardo Stewart is joined by NFL veterans Zach Miller, Sam Acho, and Jeff Locke to discuss the thrilling NFL playoff season. The conversation goes beyond the field to explore the vital off-field aspects, including financial implications and preparations unique to this stage. Tune in for first-hand playoff experiences, financial insights, and advice on...

  Key Highlights: Analysis of the benefits and timing of entering the Transfer Portal, especially during coaching changes. Discussion on evaluating promises made by coaches and their impact on transfer decisions. Advice on prioritizing long-term financial success and career goals over immediate NIL offers. Explorations of NIL agent roles and the necessity of choosing trustworthy representation. Em...

Key Highlights Introduction to human capital and its components: physical, intellectual, and social capital. Jeff Locke explains human capital's importance for athletes in maximizing their value. Sam Acho discusses the significance of developing multiple dimensions beyond athletic performance. Zach Miller joins in to illustrate how physical capital directly impacts wealth generation in the NFL. Sa...

KEY HIGHLIGHTS:  —NFL players often show generosity at a granular level by supporting people within their facilities.  —The impact of end-of-year giving and its benefits for both givers and recipients.  —Utilizing a donor-advised fund allows athletes to maximize their charitable giving opportunities.  —Strategic charity not only benefits recipients but also provides tax advantages for players.  —S...

Key Highlights Sam Acho shares the importance of understanding the value of a supportive financial team during an NFL career. Jeff Locke emphasizes getting transparent details in writing about how advisors are paid to avoid unnecessary costs. Zach Miller discusses the unique investment opportunities for athletes and the importance of customized financial plans. Insights are provided on how taxes a...

Key Highlights: —Explanation of compound interest with examples, including the famous "Rule of 72." —Discussions on how young athletes can leverage their age for significant long-term investment growth. —Strategies for ensuring diversified investments to prevent losses from impacting compound growth. —Practical advice on where to start investing, including tax-advantaged accounts like Roth IRAs an...

Key Highlights: Examination of the skills required to sustain multi-generational wealth, covering taxation and cash flow management. Insights on accessing and benefiting from private market investments. Importance of comprehensive planning for life events like marriage and family based on personal experiences. Differentiating the roles of agents, marketing teams, and family office advisors in an a...

Key Highlights: Learn why assigning a job to every dollar is key to financial stability. Explore the balance between saving what you have and investing it wisely. Discover the different roles your money can play—like short-term reserves and long-term growth. Understand why hard financial decisions are crucial to hitting your goals. Hear why assembling a reliable financial team makes all the differ...

Key Highlights: —Discussion on aligning client priorities with their wealth to effectively manage and spend money. —Jeff Locke advises against traditional budgeting, focusing instead on trade-offs and priorities. —Zach Miller emphasizes understanding individual needs, wants, and wishes. —Sam Acho highlights the joy and satisfaction derived from giving and how it counteracts greed. Quotes: —"Priori...

Key Highlights Understanding Income Streams : Jeff Locke breaks down the three main income types for NFL players—W2, 1099 endorsement income, and investment income—and their tax implications. Rookie Tax Mistakes : Sam Acho discusses common missteps in charitable giving and introduces the concept of a donor-advised fund to enhance giving strategies. Avoiding Tax Penalties : Zach Miller shares his p...

Key Highlights: The importance of investing in physical capital to secure and extend NFL contracts. The role of intellectual capital in building a sustainable future post-NFL career. Insights on cultivating social capital—how reputation and community involvement impact legacy. Strategies for maintaining balance between physical, intellectual, and social capital growth. Zach Miller’s personal exper...

Key Highlights : The critical importance of week three for NFL players earning a credited season. Explanation of how becoming a vested veteran significantly enhances player benefits. The breakdown of key benefits: pension, 401(k), cap plan, and health insurance. Personal anecdotes from the hosts about how these benefits have impacted their financial outlook. The concept of "mailbox money" as it ap...

Key Highlights Explanation of the "shirt sleeve to shirt sleeve" concept and its relevance to wealth management. The true meaning of multi-generational wealth and its importance for athletes. Determining the amount of net worth NFL players need to sustain multi-generational wealth. Detailed discussion on controlling spending to ensure wealth preservation. Identifying and overcoming roadblocks in a...

  Key Highlights The perception vs. reality of athletes going broke. Jeff Locke discusses the inaccuracies in data used in ESPN’s “Broke.” Sam Acho shares his initial shock at learning about athlete financial distress. Zach Miller sheds light on the dramatic income drop post-NFL and its consequences. Discussion on “sudden wealth” and its psychological and social impacts. Practical advice for athle...

Money is a tool to pay for the things we want and bless the people we love. NFL players can use their wealth to bless others through giving and sharing.  Listen to today’s episode as the AWM NFL team teaches about the importance of giving.  For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

Notorious Big Famously is quoted saying, “Mo money mo problems”. As NFL ultra-wealthy athletes more money usually means more complexity, complexity necessitates having a plan.  In this episode, the AWM NFL team discusses the importance of financial planning for your future.  For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

Elite NFL players could create multigenerational wealth. However, making millions of dollars doesn’t equal multigenerational wealth.  In this episode, the AWM NFL Team discusses the 4 rules of creating multigenerational wealth: money, knowledge, skill & discipline.  For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

Important to creating multigenerational wealth is choosing the right team. As an NFL player who helps you make decisions? What role should your parents and family play in making your decisions?  Sam, Zach, Jeff, and Riccardo speak directly to the athlete and the family in this episode, providing guidance and wisdom.  For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

What guides your investment decisions? As an NFL player, pursuing multi-generational wealth, establishing your priorities is vital to success on and off the field.  Listen as the AWM team discusses the importance of values and priorities in the context of being an Athlete CEO.  For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.

NFL players have the unique opportunity to become more than just players but also Athlete CEOs. Sitting at the top of their family business they make important decisions about generating and stewarding their talent and wealth. Assembling a team of qualified individuals can be difficult for athletes.  In this podcast, the NFL AWM team discusses the importance of being a Pro on and off the field.  F...

NFL players have the unique opportunity to become more than players but Athlete CEO. Sitting at the top of their family business they make important decisions about generating and stewarding their talent and wealth. Assembling a team of qualified individuals can be difficult for athletes.  In this podcast, the NFL AWM team discusses the differences between two important parts of your team, Agents...

A key component to creating multi-generational wealth is having a plan to pass on your wealth to the next generation.  In this episode, the AWM Football team, Sam Acho, Zach Miller, Jeff Locke, and Riccardo Stewart begin discussing the importance of NFL players setting up a Trust and having proper estate planning.  For questions, you can reach out to Riccardo Stewart at +1 (602) 989-5022.