WEBVTT NOTE This file was generated by Descript 00:00:18.967 --> 00:00:20.497 Riccardo Stewart: Hey, I wanna welcome you guys back to another 00:00:20.497 --> 00:00:23.437 episode of the A-W-M-N-F-L Podcast. 00:00:23.437 --> 00:00:25.837 My name is Ricardo Stewart, and I'm your host. 00:00:26.077 --> 00:00:29.512 And I'm joined with my friend Zach Miller, Sam Acho, and Jeff Lock. 00:00:30.217 --> 00:00:32.347 Um, if you guys have been following along with this, last week we 00:00:32.347 --> 00:00:35.827 began to talk about one of the more important NFL benefits that NFL 00:00:35.827 --> 00:00:38.527 players have, and that's the NFL 401k. 00:00:38.857 --> 00:00:40.807 And today I wanted to talk about some more. 00:00:40.807 --> 00:00:43.507 I mean, we're not gonna have an exhaustive list of benefits, but 00:00:43.507 --> 00:00:47.227 it's something that I know that most players are not fully educated on, and 00:00:47.227 --> 00:00:49.777 that is what benefits do they have? 00:00:49.777 --> 00:00:51.067 When do they get these benefits? 00:00:51.067 --> 00:00:53.107 How does it benefit them while they're playing? 00:00:53.467 --> 00:00:55.237 And then how do they benefit when they're not playing? 00:00:55.237 --> 00:00:57.157 And I'm always joined, and I never get sick of saying this. 00:00:57.642 --> 00:01:01.272 With guys who I get to work with and over, over 20 years of NFL experience 00:01:01.452 --> 00:01:03.342 as well as financial expertise. 00:01:03.462 --> 00:01:07.842 And so I wanna be able to tackle some of these questions about NFL 00:01:07.842 --> 00:01:12.552 benefits in hopes that it would be able to help educate, um, and in some 00:01:12.552 --> 00:01:15.762 ways even inspire certain guys and be like, Hey, there's, there's things 00:01:15.762 --> 00:01:17.802 I have access to so I could use. 00:01:17.802 --> 00:01:19.027 And so lemme start first with you, Sam. 00:01:19.732 --> 00:01:23.812 When you were in the locker room, how did you hear about NFL benefits and, 00:01:23.812 --> 00:01:28.702 and were you properly educated in terms of your, you know, experience? 00:01:29.167 --> 00:01:32.377 Sam Acho: When I was in the locker room, Ricardo, my focus was on ball. 00:01:32.587 --> 00:01:35.167 I wanted to be the best football player that I could possibly be. 00:01:35.167 --> 00:01:38.227 That was the goal, and so all of my focus, at least the majority of my focus. 00:01:38.627 --> 00:01:40.757 During the season was how do I be the best player I could be? 00:01:40.757 --> 00:01:43.727 Now, I did know about some of the different NFL benefits that 00:01:43.727 --> 00:01:46.217 were negotiated, but when I heard benefits, I was thinking things 00:01:46.217 --> 00:01:49.817 like tuition reimbursement, so I went back and got my MBA when I was 00:01:49.817 --> 00:01:51.257 playing so I could use that benefit. 00:01:51.257 --> 00:01:53.537 Think of things like some of the off season programs. 00:01:53.537 --> 00:01:56.537 They have like a masters in business type of program, and so I'm like, 00:01:56.567 --> 00:02:00.107 okay, these are great benefits, and I heard about the 401k and I kind 00:02:00.107 --> 00:02:02.447 of heard about the pension, but I wasn't thinking about that at all. 00:02:02.447 --> 00:02:05.747 What I wish I would've known is that with some of those 00:02:05.747 --> 00:02:08.057 investments, there were things that I could have done that would've. 00:02:08.437 --> 00:02:12.847 Added to my bank account in the hundreds of thousands, if not millions of dollars. 00:02:12.847 --> 00:02:18.167 So I got the very base minimum of, okay, let me invest the full amount in my 401(k 00:02:18.577 --> 00:02:21.547 and then I just put it to bed and didn't think about it, thinking that it would 00:02:21.547 --> 00:02:25.387 all be taken care of without realizing there was so much more opportunity that I 00:02:25.387 --> 00:02:29.677 was missing out on that actually wouldn't have taken that much more work from me. 00:02:30.157 --> 00:02:33.277 It would've just taken education and really the right team to make it happen. 00:02:33.518 --> 00:02:36.278 Riccardo Stewart: I mean, most, most NFL players, right? 00:02:36.308 --> 00:02:39.008 This is the first time they've had a job, right? 00:02:39.158 --> 00:02:41.498 And there could be five years in, there could be a 10 year vet. 00:02:42.113 --> 00:02:45.443 Even for those of us, myself included, that has had like a career. 00:02:45.443 --> 00:02:46.793 You know, I was a pastor for years. 00:02:46.823 --> 00:02:50.963 I remember not knowing the benefits, meaning I knew I had a 4 0 3 B, which 00:02:50.963 --> 00:02:55.163 would be equivalent of a 401k and I, I was talking to one of the guys 00:02:55.163 --> 00:02:58.913 that ran on all of our benefits and I was talking about what gym I was 00:02:58.913 --> 00:03:01.493 going to, and he goes, well, isn't it nice that you get a chance to go 00:03:01.493 --> 00:03:03.143 for free considering how much you go? 00:03:03.443 --> 00:03:06.143 And I said, no, I pay X amount a month to go to this particular gym. 00:03:06.143 --> 00:03:06.893 He goes, no. 00:03:07.043 --> 00:03:10.883 Part of your benefits is if you go 15 times a month, it's free. 00:03:11.273 --> 00:03:13.583 I'm like, wait free, like free, like free, free, free. 00:03:14.273 --> 00:03:17.903 And I had no idea because who reads the the player manual? 00:03:17.963 --> 00:03:19.643 Who reads all of these things? 00:03:19.643 --> 00:03:20.153 Nobody. 00:03:20.153 --> 00:03:22.733 Because like you said, you are thinking about ball. 00:03:23.903 --> 00:03:24.263 So 00:03:24.263 --> 00:03:25.973 Sam Acho: I'll say this, Ricardo, real quick. 00:03:25.973 --> 00:03:27.893 I know you're going to him, but the guy, you're about to ask 00:03:27.893 --> 00:03:29.003 the question, he reads them. 00:03:29.303 --> 00:03:31.943 'cause I've had some conversations with Jeff Locke, the professor. 00:03:32.033 --> 00:03:34.583 I'm five years outta my NFL I've played playing career. 00:03:34.583 --> 00:03:37.523 I'm 37 years old, so I'm just finished at five year, uh, mark. 00:03:37.523 --> 00:03:40.883 And there are some different benefits I didn't know about that I, I knew 00:03:40.883 --> 00:03:44.393 kind of on the ancillary, but Jeff Locke hit me with all the details, 00:03:44.393 --> 00:03:45.443 so I apologize for interrupting. 00:03:45.443 --> 00:03:46.313 But you said who reads it. 00:03:46.613 --> 00:03:49.943 I know one guy who you're about to ask the question to, who absolutely reads it. 00:03:50.678 --> 00:03:53.708 Riccardo Stewart: Jeff, since you read 'em and you know them, and 00:03:53.708 --> 00:03:57.398 you are probably one of our better experts on these NFL benefits. 00:03:58.103 --> 00:04:01.703 Um, give us some of the more important ones, and maybe important 00:04:01.703 --> 00:04:04.463 is the wrong word, but just kind of give us the ones that players 00:04:04.463 --> 00:04:05.963 definitely need to know about. 00:04:06.173 --> 00:04:09.293 And, and if, if there's any that you want to drill down on, go ahead 00:04:09.293 --> 00:04:10.853 and, and talk about those as well. 00:04:11.135 --> 00:04:12.845 Jeff Locke: First funny story to Sam's point. 00:04:12.875 --> 00:04:16.775 Um, when I was playing for the Vikings, I was literally in the hot tub one day after 00:04:16.775 --> 00:04:18.635 our meeting and I was reading the books. 00:04:18.635 --> 00:04:22.025 We had just gotten from them about the investment choices and so many guys 00:04:22.025 --> 00:04:24.065 walked by like, this guy's just different. 00:04:24.065 --> 00:04:27.875 Like, no one, no one reads this stuff, but last episode we 00:04:27.875 --> 00:04:29.555 talked about the 401k, right? 00:04:29.555 --> 00:04:31.205 So that's one of the biggest ones. 00:04:31.205 --> 00:04:33.305 As a current player, you gotta know what's going on. 00:04:33.605 --> 00:04:35.825 Maxing contributions, selecting the right investments. 00:04:36.215 --> 00:04:38.615 There's another one called the Cap, right? 00:04:38.615 --> 00:04:40.025 Capital Accumulation Plan. 00:04:40.325 --> 00:04:44.975 It is essentially a second 401k that you get in the NFL, right? 00:04:45.245 --> 00:04:48.425 You get access to it a little bit later than your 401k, but you can 00:04:48.425 --> 00:04:50.495 also go select the investments. 00:04:50.555 --> 00:04:52.205 You don't put any of your own money into it. 00:04:52.445 --> 00:04:54.665 The team puts money into it, but you still gotta make sure 00:04:54.665 --> 00:04:55.985 it gets invested correctly. 00:04:56.045 --> 00:04:58.745 We see that missed all the time, right? 00:04:58.745 --> 00:04:59.825 Life insurance. 00:04:59.825 --> 00:05:03.455 As a current player, you get life insurance on your own life. 00:05:03.830 --> 00:05:06.590 To pay out to your family if something happened to you while you're playing. 00:05:07.220 --> 00:05:10.730 A lot of guys go out and buy additional life insurance, too much 00:05:10.730 --> 00:05:13.340 life insurance out of their own pocket 'cause they don't realize how 00:05:13.340 --> 00:05:15.530 much they have the NFL's paying for. 00:05:15.920 --> 00:05:18.500 And then one thing Zach's gonna talk about here in a second line 00:05:18.500 --> 00:05:21.080 of duty and disability, right? 00:05:21.080 --> 00:05:25.400 You don't get access to that until you're done playing, but while you're active 00:05:25.400 --> 00:05:30.605 player, it's extremely important that you report your injuries when you get them. 00:05:32.045 --> 00:05:33.695 Hiding an injury in the NFL. 00:05:34.805 --> 00:05:38.915 Almost always the wrong thing to do if you're trying to get paid later 00:05:38.915 --> 00:05:43.895 on and you can get paid for five plus years when you're done playing monthly 00:05:43.895 --> 00:05:46.265 payments based on injuries you sustained. 00:05:46.265 --> 00:05:49.835 So as a current player, those are like the big three that I think about. 00:05:51.095 --> 00:05:51.995 Riccardo Stewart: That's super helpful. 00:05:52.055 --> 00:05:52.955 That's super helpful. 00:05:53.405 --> 00:06:00.245 So Zach, as a eight year NFL vet, what were some of the benefits that you had, 00:06:00.245 --> 00:06:05.675 no pun intended, benefited from in terms of when you were playing and then now, uh, 00:06:05.705 --> 00:06:07.355 postcard, how many years out are, are you? 00:06:08.420 --> 00:06:09.920 Zach Miller: I am over a decade out now. 00:06:10.775 --> 00:06:11.915 Riccardo Stewart: Dang homie. 00:06:12.530 --> 00:06:13.970 Sam Acho: That's what I'm about to say today. 00:06:14.165 --> 00:06:16.025 Zach Miller: hey, time is undefeated. 00:06:19.295 --> 00:06:23.075 so the biggest ones, I mean, I'll, like I just added up all my benefits 00:06:23.075 --> 00:06:24.455 to get ready for this podcast. 00:06:24.845 --> 00:06:25.850 $2.4 00:06:25.850 --> 00:06:32.465 million in NFL benefits is how much money like I accumulated from just all 00:06:32.465 --> 00:06:34.475 those things that you earn as a player. 00:06:34.715 --> 00:06:37.565 Your NFL benefits are a part of your compensation. 00:06:38.345 --> 00:06:41.645 Not just the salary, not just what you get on the field, not just the paychecks. 00:06:41.945 --> 00:06:46.685 So like that's a huge amount of money and it should be like incorporated 00:06:46.685 --> 00:06:49.805 into your investment plan, into your financial plan, all that. 00:06:49.805 --> 00:06:50.645 You can't ignore it. 00:06:50.645 --> 00:06:51.335 I mean, 2.4 00:06:51.335 --> 00:06:55.445 million should double and double again by the time I start taking money out of it. 00:06:55.445 --> 00:06:57.035 So that's huge numbers. 00:06:57.980 --> 00:07:00.035 Just like Jeff said, I'm on line of duty. 00:07:00.035 --> 00:07:03.875 So lateral ankle reconstruction, you get like a point system. 00:07:04.085 --> 00:07:07.175 Just keep track of your surgeries and major injuries 'cause. 00:07:08.435 --> 00:07:13.055 The NFL makes it hard to qualify for line of duty, so everyone gets hurt in the NFL. 00:07:13.475 --> 00:07:17.225 Keep track of those things because when it comes time to claim that, I 00:07:17.225 --> 00:07:22.415 mean that's $54,000 a year that they pay to me for seven and a half years. 00:07:22.535 --> 00:07:25.775 That if you don't keep track of your injuries, the NFL 00:07:25.775 --> 00:07:27.395 teams will try not to pay you. 00:07:28.760 --> 00:07:31.600 Second thing, NFL tuition reimbursement I literally made 00:07:31.830 --> 00:07:33.650 the NFL pay for my finance degree. 00:07:33.890 --> 00:07:35.240 That was like 50,000. 00:07:35.600 --> 00:07:41.510 And then I have a NFL Health Reimbursement account, so you see that NFL HRA So I 00:07:41.510 --> 00:07:43.160 don't have the NFL insurance anymore. 00:07:43.430 --> 00:07:44.390 I have to pay. 00:07:44.825 --> 00:07:48.245 My own premiums out of pocket for me for medical. 00:07:48.425 --> 00:07:49.955 So you can use that account. 00:07:50.045 --> 00:07:54.605 It's a cash account that anytime you have anything medical, don't pay with your 00:07:54.605 --> 00:07:56.825 checking account, use that HRA account. 00:07:57.095 --> 00:07:57.875 'cause that's your money. 00:07:57.875 --> 00:07:59.915 You want to use that as quickly as possible. 00:08:00.155 --> 00:08:03.905 'cause it's not an investment account, it just sits there losing money to inflation. 00:08:03.905 --> 00:08:04.950 So those are the three big ones. 00:08:06.350 --> 00:08:10.070 Riccardo Stewart: Man, this is, this is, uh, I hope this is helpful for you 00:08:10.070 --> 00:08:14.090 guys as, as the listeners, especially as NFL athletes, um, as parents, 00:08:14.090 --> 00:08:16.820 wives, spouses, I mean, just to be able to go, Hey, this is something 00:08:16.820 --> 00:08:18.440 we gotta, we gotta get ahold of. 00:08:18.710 --> 00:08:22.550 Jeff, just continuing to talk more about these benefits in 00:08:22.550 --> 00:08:23.630 particular that they have. 00:08:24.080 --> 00:08:29.240 What's, what's something or a role that your advisor should play? 00:08:29.330 --> 00:08:31.400 I mean, 'cause we come from the family office model and so 00:08:31.400 --> 00:08:32.660 obviously we know about this. 00:08:32.660 --> 00:08:33.680 We we're talking about it. 00:08:34.160 --> 00:08:38.660 But what role should an NFL athlete expect for his advisor to have in terms 00:08:38.660 --> 00:08:42.110 of not just the investing side, but also the educating and equipping side? 00:08:43.655 --> 00:08:45.815 Jeff Locke: Yeah, you led the witness here, like your advisor. 00:08:46.520 --> 00:08:52.220 Should be helping you manage and should be educating you on your benefits period. 00:08:52.610 --> 00:08:55.100 If they're not, they're not doing the job that you need them to do. 00:08:55.700 --> 00:08:56.090 Right? 00:08:56.150 --> 00:08:57.680 Two things happen in our industry. 00:08:58.430 --> 00:09:03.710 One advisors just don't have the knowledge like a group of us do, 00:09:03.980 --> 00:09:06.530 right on the benefits to be able to give you actual good advice. 00:09:07.130 --> 00:09:10.460 And two is some companies that advisors work for. 00:09:11.180 --> 00:09:14.090 Literally don't allow their advisors to advise on these benefits 'cause 00:09:14.090 --> 00:09:17.360 they're afraid to getting sued for guys given the wrong advice. 00:09:17.990 --> 00:09:18.230 Right? 00:09:18.230 --> 00:09:22.430 So like you gotta find an advisor that can actually help you advise on this. 00:09:22.430 --> 00:09:26.360 We've seen, we've had clients come over from other advisors when 00:09:26.360 --> 00:09:29.480 they're done playing right, we look back at their benefits, we look 00:09:29.480 --> 00:09:32.990 at what was not done, and we see hundreds of thousands of dollars 00:09:33.290 --> 00:09:35.030 out the window that guys are never. 00:09:35.510 --> 00:09:39.110 Getting back because it wasn't managed correctly in the first 00:09:39.110 --> 00:09:40.970 place on the investment side mostly. 00:09:41.330 --> 00:09:45.920 Or they're not taking advantage of all the free benefits or the free matchings 00:09:45.920 --> 00:09:48.320 coming from the NFL and the clubs. 00:09:48.410 --> 00:09:50.870 And it takes a lot of knowledge, a lot of expertise to be able 00:09:50.870 --> 00:09:52.970 to maximize all that value. 00:09:55.355 --> 00:09:55.645 Riccardo Stewart: Okay. 00:09:56.645 --> 00:09:59.165 Just to hear from the three of you guys, you know, just coming from your 00:09:59.165 --> 00:10:03.005 own personal experience and that is what tangible ways, and I know we've 00:10:03.005 --> 00:10:07.535 mentioned some of them, but what tangible ways are your NFL benefits 00:10:07.745 --> 00:10:09.575 helping you right now in your life? 00:10:10.341 --> 00:10:12.171 Sam Acho: I would say for me, if I can go first. 00:10:12.771 --> 00:10:12.801 Jeff Locke: Okay. 00:10:12.801 --> 00:10:15.951 Sam Acho: These last five years after retiring from the NFL or 00:10:15.951 --> 00:10:18.081 not playing anymore, I haven't officially announced a retirement. 00:10:18.081 --> 00:10:19.221 Somebody calls come holler at me. 00:10:19.641 --> 00:10:26.061 Um, but these last five years I've been able to stay on the NFL, 00:10:26.091 --> 00:10:28.131 some of the NFL insurance plans. 00:10:28.131 --> 00:10:31.456 So like, I'm married, I have four kids, right? 00:10:31.456 --> 00:10:34.581 We've had some health stuff in our family that's real. 00:10:35.061 --> 00:10:38.781 And the fact that I'm still have the, the insurance from the NFL. 00:10:38.906 --> 00:10:39.126 Zach Miller: the. 00:10:39.921 --> 00:10:44.301 Sam Acho: Paid for, essentially by the NFL, negotiated through our collective 00:10:44.301 --> 00:10:45.681 bargaining agreement from the players. 00:10:45.681 --> 00:10:46.911 That's a benefit that we have. 00:10:46.911 --> 00:10:50.961 That's something that we chose as opposed to, Hey, give me more salary in my pocket. 00:10:50.961 --> 00:10:53.631 Hey, I want more benefits so I can have that down the line. 00:10:53.631 --> 00:10:57.621 That's something that I've personally benefited from over these last 00:10:57.621 --> 00:11:00.651 several years, and even talking with some of the guys who I've got 00:11:00.651 --> 00:11:02.001 a chance to to spend time with. 00:11:02.001 --> 00:11:04.581 I was calling the Cardinals preseason games, talking with guys on the Cardinals 00:11:04.581 --> 00:11:06.321 who've played for a decade plus. 00:11:06.321 --> 00:11:07.461 They're asking me now. 00:11:08.031 --> 00:11:11.031 They're saying, Hey man, how, how does that, that insurance 00:11:11.031 --> 00:11:12.081 work when I'm done playing? 00:11:12.081 --> 00:11:14.181 And hey, what happens when I finish those five years? 00:11:14.181 --> 00:11:14.961 How does that work? 00:11:14.961 --> 00:11:18.741 So those are the benefits that I've experienced, and those are the questions 00:11:19.101 --> 00:11:22.716 and the conversations that are happening in the locker room with guys who we serve. 00:11:24.371 --> 00:11:26.466 Jeff Locke: And I'm, I'm just ahead of Sam, right? 00:11:26.466 --> 00:11:29.766 My five years ended a couple years back, so I was. 00:11:30.186 --> 00:11:33.246 Kicked off of the NFL fully covering health insurance, but then 00:11:33.246 --> 00:11:34.416 there's two more things you can do. 00:11:34.836 --> 00:11:36.816 There's something that most guys don't know about called 00:11:36.816 --> 00:11:38.136 the Dedicated Health Network. 00:11:38.646 --> 00:11:43.566 So I literally go weekly with my wife for free to marriage counseling 00:11:43.626 --> 00:11:45.906 that the NFL fully pays for, right? 00:11:45.906 --> 00:11:50.106 If you know how to use this benefit physical therapy on some of my injuries, 00:11:50.106 --> 00:11:54.186 punters do get hurt still in the NFL I promise some of my PT fully covered 00:11:54.756 --> 00:11:58.326 vaccines physicals fully covered, right? 00:11:59.541 --> 00:12:04.011 Before you dip into the HRA, the health reimbursement account Zach talked about, 00:12:04.221 --> 00:12:06.051 where then everything else gets covered. 00:12:06.411 --> 00:12:07.101 That's medical. 00:12:07.281 --> 00:12:11.481 So if I keep up the way that I'm working out right now, staying healthy, right? 00:12:11.481 --> 00:12:15.291 I won't pay a single dollar in medical costs for 25 years, right? 00:12:15.291 --> 00:12:18.591 Just based on the NFL benefits that I have. 00:12:18.861 --> 00:12:20.961 But you gotta have a system. 00:12:21.051 --> 00:12:24.531 You gotta know how the systems work to make sure you maximize the benefits. 00:12:24.726 --> 00:12:27.156 Riccardo Stewart: Jeff is, is, is not working the system. 00:12:27.246 --> 00:12:28.101 He's using the system. 00:12:28.646 --> 00:12:30.866 Jeff Locke: Hey, when you read, when you read the fine print, things happen. 00:12:31.326 --> 00:12:33.731 Riccardo Stewart: I love that, and this all started in the hot tub anyway. 00:12:33.731 --> 00:12:38.166 Speaking of hot tub, Zach, what benefits are you reaping right now? 00:12:38.831 --> 00:12:41.711 Zach Miller: Well, first of all, on the NFL insurance, after five years 00:12:41.711 --> 00:12:43.511 you can keep it, but guess what? 00:12:43.511 --> 00:12:45.731 Those premiums are like 40 grand a year. 00:12:45.731 --> 00:12:49.511 If you have a family like that 40 grand a year, that's hard 00:12:49.511 --> 00:12:50.771 to find that value in that. 00:12:50.771 --> 00:12:53.621 So that's why you've gotta start thinking about it. 00:12:53.651 --> 00:12:56.441 You know, once you're done playing, you gotta have a plan there, uh, 00:12:56.441 --> 00:12:57.731 which we like to help out with. 00:12:58.091 --> 00:12:59.411 The one thing I wanted to say that that. 00:13:00.431 --> 00:13:04.961 A lot of guys don't use, and they should use is the NFL Foundation will 00:13:04.961 --> 00:13:08.741 give matching grants and it's probably one of the l least used things that 00:13:08.741 --> 00:13:10.991 we, we've earned as NFL players is. 00:13:10.991 --> 00:13:14.541 So, like I'm coaching my son's, uh, flag football team and. 00:13:15.131 --> 00:13:16.931 I can get a matching grant of five grand. 00:13:16.931 --> 00:13:18.581 All I have to do is fill out some paperwork. 00:13:18.701 --> 00:13:19.721 I donate five grand. 00:13:19.721 --> 00:13:21.251 The NFL matches the five grand. 00:13:21.251 --> 00:13:23.801 And so, um, there's a lot of benefits there. 00:13:23.801 --> 00:13:27.041 And it's not just for coaching, it's, it's to also to help out any 00:13:27.041 --> 00:13:32.321 program can be a community and social justice and then a football program. 00:13:32.321 --> 00:13:36.341 So there's a couple different ones that's on the NFL Foundation and we're 00:13:36.341 --> 00:13:39.341 happy to help any players navigate that if they're, if they're looking 00:13:39.341 --> 00:13:43.181 to, uh, to contribute and then get those matching grants from the NFL. 00:13:43.731 --> 00:13:44.301 Riccardo Stewart: It's good. 00:13:44.541 --> 00:13:45.441 I'm try to wrap this up. 00:13:45.471 --> 00:13:46.431 One a couple things. 00:13:46.431 --> 00:13:49.431 I heard one, Sam has not retired yet, so if any NFL team is out 00:13:49.431 --> 00:13:51.291 there, you guys can get SAM two. 00:13:51.501 --> 00:13:54.651 Zach is going through the foundation to get $5,000 to help coaching. 00:13:54.651 --> 00:13:57.861 If you get those kids free meals and RI rides, don't get that Teddy Bridgewater. 00:13:57.891 --> 00:13:58.101 Okay? 00:13:58.101 --> 00:14:01.941 Don't get suspended, but, and all seriousness here is there 00:14:01.941 --> 00:14:04.821 are a whole lot of benefits that you have as an NFL athlete. 00:14:05.531 --> 00:14:08.861 These benefits is something you do need to be educated on to be able to, you 00:14:08.861 --> 00:14:11.111 know, no pun intended, benefit your life. 00:14:11.441 --> 00:14:14.441 If you want more information on this, you wanna talk with us and you wanna be 00:14:14.441 --> 00:14:16.481 educated more, please reach out to us. 00:14:16.481 --> 00:14:20.051 Our number is 6 0 2 9 8 9 5 0 2 2.