WEBVTT NOTE This file was generated by Descript 00:00:13.536 --> 00:00:15.156 Riccardo Stewart: Hey, I am gonna welcome you guys back to another 00:00:15.156 --> 00:00:18.276 episode of the A-W-M-N-F-L Podcast. 00:00:18.276 --> 00:00:21.846 My name is Ricardo Stewart, and I'm your host and I'm joined with my friend 00:00:21.846 --> 00:00:24.606 Sam Acho, Zach Miller and Jeff Locke. 00:00:25.026 --> 00:00:27.126 Fellas, it is that time of the year. 00:00:27.966 --> 00:00:32.316 Where it's, uh, I don't know, it's a time of year for me, it's like, what is it? 00:00:32.316 --> 00:00:37.146 Today is the day before Thanksgiving as we record that, it, it's just time to think 00:00:37.146 --> 00:00:38.676 about all the things you're thankful for. 00:00:38.676 --> 00:00:42.096 And so I'm gonna start first with telling you, Zach, I'm thankful for you, Sam. 00:00:42.096 --> 00:00:43.686 I'm thankful for you and Jeff. 00:00:43.686 --> 00:00:44.736 I'm thankful for you. 00:00:46.986 --> 00:00:47.676 Zach Miller: Right back at 00:00:47.721 --> 00:00:47.871 Jeff Locke: I, 00:00:48.091 --> 00:00:49.566 Sam Acho: I was right back at you, coach. 00:00:49.581 --> 00:00:51.591 Riccardo Stewart: gonna say, you Hey guys, I threw that lob. 00:00:51.591 --> 00:00:55.821 I was gonna, I was waiting and so, but I think about, I think about 00:00:55.821 --> 00:00:58.461 this time of the year because I think about Christmas movies. 00:00:58.491 --> 00:01:00.351 Okay, Sam, I'm gonna ask you a quick question. 00:01:00.351 --> 00:01:02.601 What's your favorite Christmas movie? 00:01:02.891 --> 00:01:04.686 Sam Acho: I think it's gotta be one of the home alones. 00:01:04.686 --> 00:01:06.306 You know, I remember being a little kid and watching the 00:01:06.306 --> 00:01:07.416 Home Alone movies and just. 00:01:08.046 --> 00:01:11.166 Being scared with McCall Culkin and trying to figure out like, 00:01:11.166 --> 00:01:12.516 are these bad guys gonna come in? 00:01:12.516 --> 00:01:14.916 So one of those home alone was probably one of my favorites. 00:01:14.916 --> 00:01:15.816 I don't remember which one. 00:01:16.401 --> 00:01:16.641 Riccardo Stewart: Yeah. 00:01:16.836 --> 00:01:22.191 I, I, uh, I would say for me it's definitely home alone one, my 00:01:22.191 --> 00:01:26.931 favorite Christmas movie and the idea of, like you said, the bad guys 00:01:27.231 --> 00:01:31.131 scoping the house, trying to come in and take what's that's not theirs. 00:01:31.161 --> 00:01:35.541 And I think that's my, my segue into what I wanna talk about today, 00:01:35.541 --> 00:01:39.201 and that is the idea of privacy and primarily digital privacy. 00:01:39.621 --> 00:01:41.151 Because when that movie was filmed. 00:01:41.586 --> 00:01:47.286 There wasn't Facebook, Twitter, there wasn't just the digital presence that, 00:01:47.316 --> 00:01:51.666 that people have now, and all three of you guys played in, played in the NFL. 00:01:52.026 --> 00:01:56.646 You guys are, are famous people, Sam, you're still on TV and, and 00:01:56.646 --> 00:02:00.966 people can figure out where you're at and where you purchase things and 00:02:01.116 --> 00:02:03.036 where you live and things like that. 00:02:03.036 --> 00:02:08.436 That it is very, very important for NFL players to be able to have privacy. 00:02:08.976 --> 00:02:12.456 We've looked in the news and we've seen several players have had the home 00:02:12.456 --> 00:02:14.436 alone experience, you know, sadly. 00:02:14.436 --> 00:02:18.276 And so I want to be able to talk about that and primarily from, from a financial 00:02:18.276 --> 00:02:22.926 side, is like, why in the world would the financial team be be thinking about this? 00:02:22.926 --> 00:02:27.061 And so, Sam, how important is privacy for NFL athletes? 00:02:27.216 --> 00:02:27.506 Sam Acho: Yeah. 00:02:27.691 --> 00:02:31.261 Privacy is often overlooked by NFL athletes because so much of your 00:02:31.261 --> 00:02:35.311 focus is either what you're doing on the field, or it's about maybe your 00:02:35.311 --> 00:02:38.521 family or your finances, but what you don't realize is that privacy is. 00:02:39.136 --> 00:02:40.996 Intertwined in all of those conversations. 00:02:40.996 --> 00:02:43.996 I have guys who I played with, played against guys who I even 00:02:43.996 --> 00:02:47.776 work with on TV who have had their homes broken into, either while 00:02:47.776 --> 00:02:49.966 they're in studio or as athletes. 00:02:50.056 --> 00:02:54.076 Guys like Joe Burrow, Patrick Mahomes, guys who, uh, Shado Sanders, their 00:02:54.076 --> 00:02:59.051 houses are getting broken into because there's people out there that pay money 00:02:59.146 --> 00:03:00.496 to try to find out where you live. 00:03:00.736 --> 00:03:04.096 And so there are ways to try and get that protected, and that's 00:03:04.096 --> 00:03:05.446 what a lot of athletes miss. 00:03:05.894 --> 00:03:09.974 Riccardo Stewart: Zach, at one point you were, you know, the highest 00:03:09.974 --> 00:03:11.234 paid person in your position. 00:03:11.684 --> 00:03:14.234 You played for the Raiders, you played for the Seahawks, like 00:03:14.234 --> 00:03:15.644 you knew the name Zach Miller. 00:03:16.964 --> 00:03:19.874 Did anybody ever approach you about making sure that you were 00:03:19.874 --> 00:03:21.824 protected from a privacy standpoint? 00:03:22.184 --> 00:03:25.904 And, and, and if they did, did it come from your financial team? 00:03:26.894 --> 00:03:27.824 Zach Miller: They never did. 00:03:27.824 --> 00:03:29.834 Uh, no one said anything about it. 00:03:30.254 --> 00:03:31.304 No one helped me out. 00:03:31.304 --> 00:03:33.914 My financial advisor never, never told me. 00:03:33.914 --> 00:03:35.294 It might be something I. 00:03:35.714 --> 00:03:39.374 Should do, or, you know, give me, somebody help me out here. 00:03:39.794 --> 00:03:44.624 So when I bought my house here in Arizona, obviously didn't know any of the things 00:03:44.624 --> 00:03:49.064 I know now some of the things, uh, Jeff will talk about of, of having your home 00:03:49.064 --> 00:03:52.004 address out there, the local newspaper. 00:03:52.529 --> 00:03:56.309 Just puts out that my wife and I buy a house in Paradise Valley List 00:03:56.309 --> 00:04:01.109 price, uh, address everything just for the whole internet to have forever. 00:04:01.229 --> 00:04:05.639 And so you don't know what you don't, you know, you don't, you, you make mistakes 00:04:05.669 --> 00:04:07.049 when you don't have the right team. 00:04:07.424 --> 00:04:07.934 Riccardo Stewart: Yeah. 00:04:08.024 --> 00:04:08.264 Yeah. 00:04:08.264 --> 00:04:10.844 That is, uh, that is definitely the truth. 00:04:11.114 --> 00:04:14.804 And so, Jeff, Zach just talked about it in terms of you talking about this 00:04:14.804 --> 00:04:18.074 privacy part, like when and what are, what are the common ways that you see that 00:04:18.074 --> 00:04:22.544 NFL athletes are exposed as it relates to just the digital side of things? 00:04:23.146 --> 00:04:25.246 Jeff Locke: Yeah, so the first way NF officers are exposed is 00:04:25.246 --> 00:04:26.806 just how everybody's exposed. 00:04:26.866 --> 00:04:27.026 So like. 00:04:28.321 --> 00:04:29.281 a question for you, for you guys. 00:04:29.281 --> 00:04:30.631 When you download an app, right? 00:04:30.631 --> 00:04:33.331 What's the first thing that pops up on the app before you're able to use the app? 00:04:33.421 --> 00:04:35.431 Is there like a little checkbox that says something? 00:04:35.671 --> 00:04:36.361 You gotta check? 00:04:36.511 --> 00:04:37.081 What does it say? 00:04:39.451 --> 00:04:39.961 Anyone? 00:04:40.006 --> 00:04:42.601 Sam Acho: capture, like, hey, making sure you're a real person and not a 00:04:42.721 --> 00:04:43.231 Jeff Locke: No, no, no. 00:04:43.831 --> 00:04:44.761 Behind the bot, right? 00:04:44.761 --> 00:04:48.031 There's one that says probably user agreement, right? 00:04:48.031 --> 00:04:49.231 How many of you guys actually read it? 00:04:51.046 --> 00:04:52.396 Zach Miller: No, no one reads user 00:04:52.531 --> 00:04:52.981 Jeff Locke: No one. 00:04:52.981 --> 00:04:53.701 No one reads it. 00:04:53.731 --> 00:04:54.421 I don't even read it. 00:04:54.421 --> 00:04:55.711 And I'm the guy that reads the fine print. 00:04:56.056 --> 00:05:02.206 Right, but in that user agreement is a clause that pretty much says we can 00:05:02.506 --> 00:05:04.606 sell your data to third parties, right? 00:05:04.606 --> 00:05:06.286 On almost any app, right? 00:05:06.286 --> 00:05:10.666 That's how a lot of companies make money, is by selling it 00:05:10.726 --> 00:05:12.856 or sharing it with other apps. 00:05:12.856 --> 00:05:16.361 So everyone has their data online, no matter what. 00:05:17.056 --> 00:05:17.536 Right? 00:05:18.136 --> 00:05:20.281 Happens to regular people, happens to athletes. 00:05:20.671 --> 00:05:23.041 It goes to these data broker sites online. 00:05:23.101 --> 00:05:25.441 There's hundreds of them that have addresses. 00:05:25.441 --> 00:05:26.791 Socials, right? 00:05:26.791 --> 00:05:31.321 There's data breaches that then link leak, really sensitive stuff, social security 00:05:31.321 --> 00:05:34.021 numbers, date of births, stuff like that. 00:05:34.021 --> 00:05:35.191 So it's out there for everyone. 00:05:35.911 --> 00:05:40.411 Athlete data is just way more valuable than the average person. 00:05:40.891 --> 00:05:42.451 People go and seek it. 00:05:42.481 --> 00:05:47.461 People go and pay for that data because they wanna do athlete's harm, 00:05:47.851 --> 00:05:50.221 whether it's stealing credit card info. 00:05:50.806 --> 00:05:56.566 Whether it's, um, impersonating you to try and get a loan or to try 00:05:56.566 --> 00:06:00.886 and do something financially, or it's what we've talked about, try 00:06:00.886 --> 00:06:03.466 to find out where you live, right? 00:06:03.466 --> 00:06:06.856 To do a robbery or, or even worse. 00:06:07.366 --> 00:06:08.746 So it's all out there. 00:06:09.346 --> 00:06:10.426 It's really hard to stop it. 00:06:10.426 --> 00:06:14.816 There's ways, but athletes are just more sought after in the world. 00:06:15.905 --> 00:06:18.245 Riccardo Stewart: It's, it's interesting, interesting because a lot of times you 00:06:18.245 --> 00:06:19.760 hear people when it comes to our world. 00:06:20.540 --> 00:06:23.420 Talk about asset preservation and so forth, but they don't 00:06:23.420 --> 00:06:25.160 really get this information. 00:06:25.160 --> 00:06:29.480 As you said, Zach, they don't really get guidance from their financial team 00:06:29.480 --> 00:06:32.540 to say, Hey, here's something you need to be thinking about in terms of how 00:06:32.540 --> 00:06:36.410 to put your house in a way where people can't find you, or how to put yourself 00:06:36.410 --> 00:06:41.120 on the internet in a way where it's hard to find you and you know, Sam, is that 00:06:41.120 --> 00:06:45.560 something you see that the financial team should be helping these athletes? 00:06:45.560 --> 00:06:45.590 I. 00:06:47.170 --> 00:06:49.235 Sam Acho: I, I, I do, I believe that. 00:06:49.880 --> 00:06:52.790 When you think about you, you and your family, you're not just thinking 00:06:52.790 --> 00:06:55.970 about, okay, how much money can I make from an investment perspective? 00:06:55.970 --> 00:06:58.700 You're also thinking of, is my family safe? 00:06:59.000 --> 00:07:02.390 Like, is my family going to be okay when I'm traveling and going to 00:07:02.390 --> 00:07:05.630 go announce this game or when I'm gonna go and play, play this game? 00:07:06.020 --> 00:07:07.400 Am I sure my family is safe? 00:07:07.400 --> 00:07:09.800 And sure you can get security cameras and things like that. 00:07:10.160 --> 00:07:14.445 But I think that if you're a financial advisor, financial team, the people 00:07:14.445 --> 00:07:17.765 who are your trusted, most trusted people should be thinking about your 00:07:17.765 --> 00:07:20.675 family in the same or similar way that you are thinking about your 00:07:20.675 --> 00:07:25.265 family when it comes to protecting them, both online and also in person. 00:07:26.060 --> 00:07:28.130 Riccardo Stewart: And then just a follow up to that question, do, do 00:07:28.130 --> 00:07:29.870 you believe it's worth the cost? 00:07:30.275 --> 00:07:31.055 Sam Acho: Absolutely. 00:07:31.385 --> 00:07:34.685 Uh, I was talking with one of our clients in the baseball world, and this is before 00:07:34.685 --> 00:07:37.565 I knew much about some of the digital security, and I'd heard about some of 00:07:37.565 --> 00:07:41.675 the break-ins and I was at a workout facility here in Dallas and he went 00:07:41.675 --> 00:07:43.655 on and on and on and raving about man. 00:07:43.655 --> 00:07:45.005 He's like, dude, thank y'all so much. 00:07:45.005 --> 00:07:45.635 I said, why? 00:07:45.935 --> 00:07:50.255 He's like, because I had my house broken into years ago, and then I heard about 00:07:50.255 --> 00:07:53.645 some of the privacy stuff that you all do, and I said, Hey, I need that right now. 00:07:53.915 --> 00:07:56.195 And since then, I, now I leave home. 00:07:56.195 --> 00:07:58.985 This guy's a World series champion multiple times. 00:07:59.375 --> 00:08:01.205 He's like, now I leave home with peace of mind. 00:08:02.045 --> 00:08:04.490 He said, when my house got broken into, I was there, my wife was 00:08:04.490 --> 00:08:05.315 there, we were all upstairs. 00:08:05.315 --> 00:08:05.975 I was scared. 00:08:05.975 --> 00:08:10.115 She was scared, but it was like, dude, that the, the, the, the benefit that I 00:08:10.115 --> 00:08:14.915 have, the cost can't even be compared to the benefit of knowing that we're safe. 00:08:15.654 --> 00:08:16.794 Riccardo Stewart: Zach, I'm gonna just come to you. 00:08:16.794 --> 00:08:20.574 Just, is there any other ways you think if you're talking to an F athlete, 00:08:20.604 --> 00:08:23.634 athlete and you're saying like, here are maybe some other ways we haven't 00:08:23.634 --> 00:08:25.224 touched that you could be exposed. 00:08:26.274 --> 00:08:30.744 Zach Miller: Yeah, I mean we, we hit on some of the major ones, but as you 00:08:30.744 --> 00:08:36.714 make more money, you are more likely to be a target from either hackers, 00:08:37.044 --> 00:08:40.644 people that want to impersonate you like Jeff mentioned, or even. 00:08:41.499 --> 00:08:46.299 Stalkers or fans that, you know, with the whole NFL gambling world now, like 00:08:46.299 --> 00:08:51.729 people are trying to get access to you and having a kind of wall or shield 00:08:51.729 --> 00:08:56.229 up, um, it makes sense for, for NFL guys that have the kind of net worth. 00:08:56.439 --> 00:09:00.219 I mean, that's what money's for is to, to pay for things that can help, 00:09:00.489 --> 00:09:02.769 you know, make you a better player, protect your family, doing the 00:09:02.769 --> 00:09:04.389 most important things money can do. 00:09:04.479 --> 00:09:07.599 And so you should have that kind of resource in place. 00:09:07.749 --> 00:09:09.609 It's just part of, it's part of the whole. 00:09:10.044 --> 00:09:15.444 Being wealthy as an NFL athlete, uh, world, you just have to accept it. 00:09:15.504 --> 00:09:19.584 Put the best team in place, put the best resources in place to protect 00:09:19.584 --> 00:09:24.384 yourself, and, and you can stop almost all of the stuff that you kind 00:09:24.384 --> 00:09:25.794 of see in the news with other guys. 00:09:25.914 --> 00:09:25.944 I. 00:09:27.239 --> 00:09:27.529 Riccardo Stewart: Okay. 00:09:27.684 --> 00:09:31.104 I want you, Jeff, to land the plane here and I'm gonna ask you two questions. 00:09:31.104 --> 00:09:32.154 The one, the first one is. 00:09:33.894 --> 00:09:36.204 Is anything else you would add to this conversation? 00:09:36.204 --> 00:09:38.454 Because on our team you are, you're, you're the point person. 00:09:38.454 --> 00:09:42.054 I mean, and I, I've been in meetings with you, um, with companies that we've 00:09:42.054 --> 00:09:44.634 met with that do this digital security. 00:09:44.634 --> 00:09:47.154 And so anything would you add to it? 00:09:47.154 --> 00:09:49.374 And then the follow up to that would be where would you point 00:09:49.374 --> 00:09:52.014 someone who's listening to this podcast going, okay, digital. 00:09:52.014 --> 00:09:55.074 I mean like, is this is an app or is it something far bigger than that? 00:09:55.074 --> 00:09:57.144 And, and like, what direction do I get pointed to? 00:09:57.144 --> 00:09:59.199 But starting first with anything else, would you add. 00:10:01.179 --> 00:10:01.389 Jeff Locke: Two. 00:10:01.479 --> 00:10:04.599 Two quick things is just when, whenever you buy a home or sell 00:10:04.599 --> 00:10:07.209 a home, that's like one of the most exposed you're ever gonna be. 00:10:07.629 --> 00:10:10.239 That's one thing we help our clients with all the time, is 00:10:10.239 --> 00:10:11.409 making sure those are private. 00:10:11.409 --> 00:10:15.519 'cause a home transaction in the United States, you have to publicly disclose 00:10:15.519 --> 00:10:17.679 the transaction on county websites. 00:10:17.769 --> 00:10:19.779 And every county in the United States is different on how they 00:10:19.779 --> 00:10:21.759 disclose what happened, but. 00:10:22.164 --> 00:10:25.614 Literally data brokers and people trying to do bad things, sweep 00:10:25.614 --> 00:10:29.514 all those transactions and sell it to bad people all the time. 00:10:29.904 --> 00:10:31.434 Protecting that information, right? 00:10:31.434 --> 00:10:35.634 And then something as simple as looking at your phone settings, right? 00:10:35.664 --> 00:10:38.694 Most people don't do this when they get a phone, right? 00:10:38.724 --> 00:10:43.824 Apple, all these companies, all these apps make money by being able to share your 00:10:43.824 --> 00:10:46.164 info across to other companies, right? 00:10:46.164 --> 00:10:47.034 It's billion. 00:10:47.034 --> 00:10:49.254 The dollar industry, you need to go in there and you need to change 00:10:49.254 --> 00:10:51.054 your settings and look that up. 00:10:51.909 --> 00:10:56.529 And then in terms of companies that can help, there's many out there. 00:10:56.739 --> 00:11:00.189 There's ones that do kind of an okay job, right? 00:11:00.189 --> 00:11:02.949 They kind of sweep things on the internet, you know, look for 00:11:02.949 --> 00:11:04.059 things every once in a while. 00:11:04.449 --> 00:11:08.979 And then there's certain companies that we work with that we can tell 00:11:08.979 --> 00:11:15.879 you more about if you reach out that do this for C-suite executives, CEOs, 00:11:16.209 --> 00:11:18.729 artists, entertainers, and athletes. 00:11:19.044 --> 00:11:20.544 And they know the exposure. 00:11:20.604 --> 00:11:24.684 They know all the tricks in the book that these hackers and these bad actors are 00:11:24.684 --> 00:11:26.799 coming at you with, and they help stop it. 00:11:27.984 --> 00:11:28.824 Riccardo Stewart: Yeah, thanks. 00:11:29.244 --> 00:11:33.444 I, I know, uh, those of you listening like this is not an easy one 'cause like, man, 00:11:33.444 --> 00:11:35.184 this one kind of makes me a little afraid. 00:11:35.424 --> 00:11:38.184 The point is that you're, you're protected and it's something that you 00:11:38.184 --> 00:11:42.174 think about because likely your financial advisor is gonna talk about investments. 00:11:42.549 --> 00:11:43.089 Right. 00:11:43.299 --> 00:11:45.249 You might get someone to think about insurance. 00:11:45.249 --> 00:11:46.329 What happens to my body? 00:11:46.329 --> 00:11:48.219 What happens to my family if I'm not here? 00:11:48.489 --> 00:11:52.059 But what about when your family's here now and how do you stay protected? 00:11:52.209 --> 00:11:55.899 And it's not running away and hiding, but it's being made aware 00:11:55.959 --> 00:11:58.479 of the dangers that are out there so that you could be protected. 00:11:58.479 --> 00:12:01.749 And so obviously there's some things we'd love to disclose to you that we couldn't 00:12:01.749 --> 00:12:03.879 on the podcast if you want information or. 00:12:04.164 --> 00:12:05.274 Who do you get pointed to? 00:12:05.274 --> 00:12:08.004 We'd love to be able to show you the resources that we use, and 00:12:08.004 --> 00:12:10.044 so feel free to reach out to us. 00:12:10.104 --> 00:12:11.244 You can shoot us a text. 00:12:11.244 --> 00:12:14.874 Our number is 6 0 2 9 8 9 5 0 2 2.