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Trading is 10 00:00:26,000 --> 00:00:28,720 Speaker 1: offered through an account with Robinhood Financial LLC member SIPC, 11 00:00:28,960 --> 00:00:30,000 Speaker 1: a registered broker dealer. 12 00:00:30,200 --> 00:00:33,720 Speaker 2: You have a very interesting story and we was reading it, 13 00:00:34,280 --> 00:00:35,880 Speaker 2: you know, the last couple of days. So you said 14 00:00:35,880 --> 00:00:37,839 Speaker 2: your first contract, correct me if I'm wrong, you made 15 00:00:38,080 --> 00:00:39,680 Speaker 2: your contract with one point two million. 16 00:00:40,280 --> 00:00:40,480 Speaker 3: Yeah. 17 00:00:40,640 --> 00:00:44,960 Speaker 2: Well say now you had like thirty five forty thousand, yeah, 18 00:00:45,360 --> 00:00:47,239 Speaker 2: So yeah, can we just kind of break that down 19 00:00:47,280 --> 00:00:50,560 Speaker 2: because to me, it's interesting as far as like NFL players, 20 00:00:50,600 --> 00:00:52,280 Speaker 2: because you have an off season, so a lot of 21 00:00:52,320 --> 00:00:54,280 Speaker 2: people don't aren't familiar, like do you get paid on 22 00:00:54,320 --> 00:00:56,640 Speaker 2: the off season or how frequent do you get paid, 23 00:00:57,000 --> 00:00:58,800 Speaker 2: And then there's a thing called the jock tax where 24 00:00:58,800 --> 00:01:01,000 Speaker 2: you go to different states and get taxed differently. 25 00:01:02,920 --> 00:01:04,720 Speaker 4: It's not all guaranteed. So yeah, can you kind of 26 00:01:04,800 --> 00:01:05,440 Speaker 4: just break that down? 27 00:01:05,560 --> 00:01:09,600 Speaker 3: Yeah, man, it's layers to that, layers. So yeah, So 28 00:01:10,240 --> 00:01:14,880 Speaker 3: the way I think of the NFL is nothing is 29 00:01:15,000 --> 00:01:20,080 Speaker 3: guaranteed unless you have certain stipulations within your contract and 30 00:01:20,160 --> 00:01:22,200 Speaker 3: all that type of stuff. Right, So if you're one 31 00:01:22,240 --> 00:01:24,679 Speaker 3: of those players, which is you know, more players are 32 00:01:24,800 --> 00:01:27,560 Speaker 3: seeing that, that's a great thing and a blessing to have. 33 00:01:28,240 --> 00:01:31,400 Speaker 3: But when you see these big contracts, you know, Russell 34 00:01:31,400 --> 00:01:34,080 Speaker 3: Wilson one hundred and forty million, I can't remember how 35 00:01:34,160 --> 00:01:38,200 Speaker 3: much guaranteed, maybe sixty five, yeah, something sixty quarunteed, right, 36 00:01:39,000 --> 00:01:42,400 Speaker 3: that's what he can bank on. Right, you see the 37 00:01:42,440 --> 00:01:45,880 Speaker 3: big number. But but if Russell Wilson gets hurt in 38 00:01:46,000 --> 00:01:49,360 Speaker 3: year four, year five, whatever, right, he's not seeing the 39 00:01:49,440 --> 00:01:55,720 Speaker 3: rest of that money potentially. So that's different from basketball. 40 00:01:56,000 --> 00:02:01,760 Speaker 3: That's different from baseball and others sports. So as I 41 00:02:02,120 --> 00:02:06,920 Speaker 3: entered the league in twenty thirteen, I was undrafted out 42 00:02:06,960 --> 00:02:12,280 Speaker 3: of University of Pennsylvania. I remember the Baltimore. Ravens called 43 00:02:12,320 --> 00:02:15,679 Speaker 3: me my hometown team. I'm like, man, Actually, to be 44 00:02:15,760 --> 00:02:18,000 Speaker 3: quite honest with you, I was pissed off, right, Not 45 00:02:18,200 --> 00:02:20,440 Speaker 3: because I was pissed off that I didn't get drafted. 46 00:02:20,560 --> 00:02:22,639 Speaker 3: That was really what it was, right, and it just 47 00:02:22,720 --> 00:02:24,840 Speaker 3: had a big chip on my shoulder. So for me, 48 00:02:24,960 --> 00:02:27,720 Speaker 3: I've been fortunate to just have this lens on life 49 00:02:27,800 --> 00:02:30,680 Speaker 3: and perspective where I'm not really a fan of too 50 00:02:30,800 --> 00:02:36,000 Speaker 3: much or anyone. So I remember, as a rookie enter 51 00:02:36,040 --> 00:02:40,480 Speaker 3: in the locker room, and this is my hometown team. 52 00:02:40,520 --> 00:02:42,800 Speaker 3: These are the guys I looked up to growing up, 53 00:02:43,080 --> 00:02:46,000 Speaker 3: and I remember this is fresh off of Super Bowl, 54 00:02:46,160 --> 00:02:48,359 Speaker 3: fresh off of Super Bowl. I remember, actually, you know 55 00:02:48,440 --> 00:02:52,959 Speaker 3: what a perfect story that might describe me. As my 56 00:02:53,160 --> 00:02:56,360 Speaker 3: agent at the time, he took us out right before 57 00:02:56,400 --> 00:03:00,840 Speaker 3: the draft, took us out in New York to some 58 00:03:01,080 --> 00:03:04,560 Speaker 3: club up there to just celebrate that night before the 59 00:03:04,680 --> 00:03:06,120 Speaker 3: draft of like all the work you put it in 60 00:03:06,200 --> 00:03:09,120 Speaker 3: and all that type of stuff. And I remember, you know, 61 00:03:09,320 --> 00:03:11,760 Speaker 3: like I said, I grew up in Baltimore, that purple 62 00:03:11,800 --> 00:03:15,040 Speaker 3: and black, you know. I remember being in the house 63 00:03:15,120 --> 00:03:17,880 Speaker 3: and seeing them, you know, win the Super Bowl and 64 00:03:18,000 --> 00:03:20,200 Speaker 3: bragging all my roommates and all that type of stuff. 65 00:03:20,240 --> 00:03:25,400 Speaker 3: Wearing that with pride and in the club. That for 66 00:03:25,560 --> 00:03:28,720 Speaker 3: me was like my introduction to the NFL, even though 67 00:03:28,760 --> 00:03:31,760 Speaker 3: I wasn't even in it at the time. But you 68 00:03:31,960 --> 00:03:34,960 Speaker 3: had all of these different That was when the draft 69 00:03:35,040 --> 00:03:36,400 Speaker 3: was still in New York, so you had all these 70 00:03:36,440 --> 00:03:40,160 Speaker 3: different rappers and in different sections. My agent had gotten 71 00:03:40,240 --> 00:03:43,840 Speaker 3: us a section. I wasn't spending anywhere. My agent got 72 00:03:43,960 --> 00:03:46,400 Speaker 3: us a section. And the other guys there when you 73 00:03:46,480 --> 00:03:49,480 Speaker 3: had Adrian Peterson with a section, Ludacris across the way 74 00:03:50,720 --> 00:03:53,640 Speaker 3: g Z and there was ray Rice, and I remember 75 00:03:53,760 --> 00:03:58,720 Speaker 3: Ray Rice walked up and I remember speaking to him 76 00:03:59,360 --> 00:04:02,560 Speaker 3: and I'm like, yo, I just want to say, you know, 77 00:04:02,840 --> 00:04:04,960 Speaker 3: you really put on for the city. That was amazing 78 00:04:05,040 --> 00:04:08,400 Speaker 3: what y'all did. Man, Like, I appreciate you, respect you. 79 00:04:09,160 --> 00:04:11,160 Speaker 3: But a couple of days like I'm gonna be in 80 00:04:11,160 --> 00:04:12,000 Speaker 3: the NFL too. 81 00:04:12,280 --> 00:04:12,360 Speaker 5: So. 82 00:04:14,320 --> 00:04:16,320 Speaker 3: I ain't none of that fans stuff in the war right, 83 00:04:16,480 --> 00:04:21,040 Speaker 3: like we competition, right, But before that, I want to 84 00:04:21,080 --> 00:04:23,080 Speaker 3: tell you how much I respect you. So anyway, I 85 00:04:23,160 --> 00:04:25,680 Speaker 3: say all that to say a few days later, I 86 00:04:25,760 --> 00:04:28,200 Speaker 3: get get the call go to the Ravens. Had that 87 00:04:28,360 --> 00:04:31,000 Speaker 3: chip on my shoulder. But the weird thing about the 88 00:04:31,120 --> 00:04:33,440 Speaker 3: NFL is, like I said, I keep it. I've been 89 00:04:33,760 --> 00:04:35,719 Speaker 3: blessed to be able to keep things in a perspective 90 00:04:36,200 --> 00:04:39,520 Speaker 3: and understand that, Okay, I just got this call that says, hey, 91 00:04:39,600 --> 00:04:44,280 Speaker 3: you're get a chance to sign up and you're a 92 00:04:44,320 --> 00:04:47,400 Speaker 3: Baltimore Raven. Now no, I'm not right, Like, there's still 93 00:04:47,440 --> 00:04:50,400 Speaker 3: another step to actually make the fifty three or make 94 00:04:50,520 --> 00:04:52,040 Speaker 3: practice squad whatever. 95 00:04:52,160 --> 00:04:52,280 Speaker 4: Right. 96 00:04:52,640 --> 00:04:54,120 Speaker 3: Sadly, there's a lot of guys who are like, oh, 97 00:04:54,160 --> 00:04:57,240 Speaker 3: I'm in it. No, right, Like next week you might 98 00:04:57,279 --> 00:04:59,320 Speaker 3: be cut or after this rookie mini camp you might 99 00:04:59,360 --> 00:04:59,640 Speaker 3: be cut. 100 00:04:59,760 --> 00:04:59,880 Speaker 4: Right. 101 00:05:00,080 --> 00:05:02,760 Speaker 3: So at that time, again, like I said, I signed 102 00:05:02,800 --> 00:05:07,279 Speaker 3: a three year, one point two million dollar deal. However 103 00:05:08,080 --> 00:05:13,000 Speaker 3: I got cut going into the actual season, made it 104 00:05:13,080 --> 00:05:15,160 Speaker 3: all through preseason and all that stuff, got cut going 105 00:05:15,200 --> 00:05:17,680 Speaker 3: into the actual season, and that jumped my money down 106 00:05:17,720 --> 00:05:20,640 Speaker 3: to a practice squad guy. After four weeks, I got 107 00:05:20,680 --> 00:05:24,320 Speaker 3: cut from Baltimore, so I really got four weeks of pay. 108 00:05:24,880 --> 00:05:27,840 Speaker 3: And then again, I mean there were guys who got 109 00:05:27,920 --> 00:05:30,880 Speaker 3: cut in the middle of training camp. There's guys who 110 00:05:30,880 --> 00:05:32,080 Speaker 3: got cut after three days. 111 00:05:32,200 --> 00:05:34,960 Speaker 6: So that there's a process after you get drafted, right, 112 00:05:35,120 --> 00:05:36,440 Speaker 6: because that's even a little confusing. 113 00:05:36,520 --> 00:05:36,640 Speaker 4: Right. 114 00:05:36,680 --> 00:05:39,240 Speaker 6: There's OTA's that you have to make the team, yep. 115 00:05:39,400 --> 00:05:41,840 Speaker 6: Then there is training camp that you have to make 116 00:05:41,880 --> 00:05:45,160 Speaker 6: the team. Then you got four preseason game yeah, and 117 00:05:45,240 --> 00:05:46,200 Speaker 6: so trying to make the team. 118 00:05:46,320 --> 00:05:48,040 Speaker 3: Right. So the way I would think of it is 119 00:05:51,240 --> 00:05:54,040 Speaker 3: you're never really on the team. You know, depending on 120 00:05:54,120 --> 00:05:55,760 Speaker 3: who you are, you're never really on the team. Like 121 00:05:56,160 --> 00:05:59,320 Speaker 3: I even joke with my students this semester and even 122 00:05:59,440 --> 00:06:01,040 Speaker 3: right right now, like I could get this phone, go 123 00:06:01,160 --> 00:06:03,720 Speaker 3: start ringing, Nigga, call be like listen code, like you 124 00:06:03,800 --> 00:06:05,840 Speaker 3: bring your iPad up here, like we were going in 125 00:06:05,880 --> 00:06:08,280 Speaker 3: a different route, right, And that's just the nature of 126 00:06:08,400 --> 00:06:11,400 Speaker 3: the beast. So, like you said, every single day, I 127 00:06:11,480 --> 00:06:13,800 Speaker 3: mean they always say that every day is an interview, 128 00:06:13,839 --> 00:06:20,479 Speaker 3: but like literally, like I think people don't understand that. Again, 129 00:06:20,520 --> 00:06:23,120 Speaker 3: depending on who you are, right, your first round, second round, 130 00:06:23,160 --> 00:06:26,120 Speaker 3: you probably are guaranteed that first year, right, But that 131 00:06:26,160 --> 00:06:28,479 Speaker 3: doesn't mean you're guaranteed three years from now, four years 132 00:06:28,520 --> 00:06:32,720 Speaker 3: from now, right, And that's you. You just hope and 133 00:06:32,839 --> 00:06:37,720 Speaker 3: pray that young guys come in and understand that. And me, 134 00:06:38,000 --> 00:06:42,360 Speaker 3: fortunately I understood it. It was what motivated me to 135 00:06:42,760 --> 00:06:46,360 Speaker 3: want to be great and make the team and still 136 00:06:46,400 --> 00:06:50,040 Speaker 3: be here seven years later. Right, But for a lot 137 00:06:50,120 --> 00:06:52,839 Speaker 3: of guys, like I remember rookie years, some guys would 138 00:06:52,880 --> 00:06:55,880 Speaker 3: go to this mall across the street from my hotel, 139 00:06:55,920 --> 00:06:58,640 Speaker 3: and I remember getting on Snapchat. Snap was like a 140 00:06:58,720 --> 00:07:04,000 Speaker 3: big at the time, and getting on there and they 141 00:07:04,320 --> 00:07:07,719 Speaker 3: literally walking in there selfie videos stunting like we're about 142 00:07:07,720 --> 00:07:09,960 Speaker 3: to census sag And I'm like, bro, y'all all making 143 00:07:10,040 --> 00:07:11,680 Speaker 3: the same thing I'm making right now, which is like 144 00:07:12,480 --> 00:07:14,119 Speaker 3: like maybe one hundred and fifty bucks. 145 00:07:14,440 --> 00:07:17,400 Speaker 2: All right, so you had a one point two million 146 00:07:17,440 --> 00:07:20,720 Speaker 2: dollar contract, Yeah, but then you four weeks in you 147 00:07:20,880 --> 00:07:23,120 Speaker 2: got demoted to practice team. 148 00:07:23,000 --> 00:07:27,000 Speaker 3: Right now, so so you get drafted or undrafted in 149 00:07:27,120 --> 00:07:31,640 Speaker 3: the spring. So like our rookies just showed up this weekend. 150 00:07:32,560 --> 00:07:37,360 Speaker 3: So where we may whatever we are right now, we train, train, training, 151 00:07:37,440 --> 00:07:39,600 Speaker 3: You can be there's guys being cut, there's guys being 152 00:07:39,640 --> 00:07:42,560 Speaker 3: signed that entire time, like that roster is fluctuating. And 153 00:07:42,680 --> 00:07:44,600 Speaker 3: then by the time you get the training camp, you 154 00:07:44,680 --> 00:07:48,160 Speaker 3: start training camp in late July with ninety guys on 155 00:07:48,240 --> 00:07:53,360 Speaker 3: the roster, that roster fluctuates a bit. And then by 156 00:07:53,640 --> 00:07:57,840 Speaker 3: the end of August, beginning of September, that roster cuts 157 00:07:57,880 --> 00:07:59,920 Speaker 3: down the fifty three, and then on top of that 158 00:08:00,040 --> 00:08:02,400 Speaker 3: fifty three you have ten practice squad guys. I made 159 00:08:02,440 --> 00:08:06,640 Speaker 3: it from that May all the way through to August. 160 00:08:06,720 --> 00:08:09,160 Speaker 3: I got cut, became one of those practice squad guys 161 00:08:09,200 --> 00:08:11,400 Speaker 3: where your salary goes from a minimum of like four 162 00:08:11,560 --> 00:08:17,480 Speaker 3: hundred thirty thousand to one hundred thousand. And then four 163 00:08:17,560 --> 00:08:20,480 Speaker 3: weeks later, four weeks into the season, that's when I 164 00:08:20,560 --> 00:08:23,640 Speaker 3: got released from the team. And that's in Baltimore. 165 00:08:23,760 --> 00:08:25,760 Speaker 4: That's in Baltimore. So none of that one point two 166 00:08:25,760 --> 00:08:27,440 Speaker 4: million was guaranteed, none of. 167 00:08:27,480 --> 00:08:30,280 Speaker 3: It, not even nonhing I wish it looks good on paper. 168 00:08:30,320 --> 00:08:32,440 Speaker 3: Though it looks good, it sounds good. So there's also 169 00:08:32,800 --> 00:08:36,559 Speaker 3: that that's the problem that that that you see that 170 00:08:36,679 --> 00:08:41,679 Speaker 3: headline and then the vultures come get it right, family, everybody. 171 00:08:41,320 --> 00:08:43,480 Speaker 6: Because now it's like on paper, it look oh he's 172 00:08:43,480 --> 00:08:44,000 Speaker 6: a millionaire. 173 00:08:44,120 --> 00:08:47,800 Speaker 2: Yeah, but that's interesting. I think people don't fully understand that, 174 00:08:47,960 --> 00:08:49,679 Speaker 2: Like I can't drive that home. All right, you got 175 00:08:49,720 --> 00:08:51,920 Speaker 2: a one point two million dollar contract, none of it 176 00:08:52,040 --> 00:08:52,640 Speaker 2: was guaranteed. 177 00:08:53,080 --> 00:08:54,199 Speaker 4: You probably netted how. 178 00:08:54,200 --> 00:08:57,640 Speaker 3: Much you net probably probably like thirty maybe that's how 179 00:08:57,720 --> 00:09:00,400 Speaker 3: much you made from the Baltimore Ravens, probably like thirty 180 00:09:00,960 --> 00:09:03,400 Speaker 3: because in the spring I made money in the spring, 181 00:09:03,480 --> 00:09:05,839 Speaker 3: So like right now, you might be making what maybe 182 00:09:06,480 --> 00:09:09,400 Speaker 3: a couple hundred a week because they take your hotel 183 00:09:09,520 --> 00:09:13,400 Speaker 3: and stuff that the team doesn't cover it. They cover it, 184 00:09:13,520 --> 00:09:16,000 Speaker 3: but it's coming out of your damn type of thing. 185 00:09:16,240 --> 00:09:19,439 Speaker 3: The cover it, but you just don't know, you know, 186 00:09:21,000 --> 00:09:24,880 Speaker 3: you don't really have a Yeah, so you're making maybe 187 00:09:25,080 --> 00:09:27,320 Speaker 3: a few hundred a week, and they cover your meals 188 00:09:27,360 --> 00:09:28,679 Speaker 3: and all that stuff on the weekend, so you don't 189 00:09:28,679 --> 00:09:32,560 Speaker 3: really have too many expenses. But then as you get 190 00:09:32,600 --> 00:09:35,600 Speaker 3: to preseason, now you're making I want to say, seven 191 00:09:35,720 --> 00:09:42,200 Speaker 3: hundred a week before taxes, so you know, and that's 192 00:09:42,320 --> 00:09:46,439 Speaker 3: what maybe five to six weeks, so you really like 193 00:09:46,679 --> 00:09:49,400 Speaker 3: four you know, who knows that is four hundred a 194 00:09:49,440 --> 00:09:56,199 Speaker 3: week after all dollars done. Dollars, yeah, dollars yeah. And 195 00:09:56,320 --> 00:09:59,439 Speaker 3: then once the season hits. As a practice squad guy, 196 00:10:00,000 --> 00:10:04,240 Speaker 3: I was making I was seeing about four k after taxes. 197 00:10:04,280 --> 00:10:07,160 Speaker 3: I think my check was like seven thousand and seventy 198 00:10:07,600 --> 00:10:11,360 Speaker 3: five hundred per week before, so about four thousand after 199 00:10:12,120 --> 00:10:15,319 Speaker 3: And Lisa did that for four weeks, so that's about 200 00:10:15,360 --> 00:10:18,079 Speaker 3: sixteen right there. So I probably made a little less 201 00:10:18,080 --> 00:10:21,640 Speaker 3: than thirty from the Baltimore Ravens. And then two weeks 202 00:10:21,720 --> 00:10:24,079 Speaker 3: later I got cut week four. Two weeks later, I 203 00:10:24,120 --> 00:10:26,959 Speaker 3: got picked up by the Tennessee Titans practice squad with 204 00:10:27,080 --> 00:10:29,679 Speaker 3: them for a bunch of weeks. I got cut by them. 205 00:10:30,360 --> 00:10:32,839 Speaker 3: A lot of people don't notice too. It's like in 206 00:10:32,960 --> 00:10:38,760 Speaker 3: my family, they understand, and it's so funny that so 207 00:10:39,080 --> 00:10:41,680 Speaker 3: at Tuesday at four pm Eastern is when your money 208 00:10:41,760 --> 00:10:44,400 Speaker 3: is guaranteed for the week. So for me and the 209 00:10:44,440 --> 00:10:48,120 Speaker 3: way that my career has been, and I'm not superstitious, 210 00:10:48,200 --> 00:10:51,920 Speaker 3: but I just I have certain things. I have my routine. 211 00:10:53,160 --> 00:10:58,400 Speaker 3: My family knew. Don't call me Tuesday after four pm Eastern, right, 212 00:10:58,760 --> 00:11:01,760 Speaker 3: So and where's that come from? Like I've been cut 213 00:11:02,080 --> 00:11:04,360 Speaker 3: at three point fifty six pm Eastern, wild right. 214 00:11:04,520 --> 00:11:06,440 Speaker 4: So you don't get paid, don't get paid? 215 00:11:06,679 --> 00:11:09,240 Speaker 3: Wow? 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Hiring indeed is 262 00:13:59,760 --> 00:14:01,840 Speaker 5: all you need if I don't. 263 00:14:01,960 --> 00:14:03,520 Speaker 3: So when I was in Baltimore, they cut me on 264 00:14:03,600 --> 00:14:06,280 Speaker 3: Wednesday morning because they were like, hey, we're playing on 265 00:14:06,640 --> 00:14:09,120 Speaker 3: your back. You know, it's showing good faith you. You know, 266 00:14:09,400 --> 00:14:11,480 Speaker 3: we like you all that type of stuff. We just 267 00:14:11,559 --> 00:14:14,160 Speaker 3: need to make some other roster changes. Blah bla blah blah. 268 00:14:14,200 --> 00:14:16,800 Speaker 3: So you know, take the time off, you know, go work, 269 00:14:17,040 --> 00:14:19,120 Speaker 3: stay stay in shape, but we'll bring you back this week. 270 00:14:19,200 --> 00:14:24,800 Speaker 3: Then still waiting on that. But then Tennessee one time, 271 00:14:25,560 --> 00:14:30,120 Speaker 3: these dudes, man, I it's funny. I went and did 272 00:14:30,240 --> 00:14:34,040 Speaker 3: like a whole charity out event for him. I went, 273 00:14:34,080 --> 00:14:36,880 Speaker 3: we went to a high school and uh, you know, 274 00:14:37,280 --> 00:14:40,120 Speaker 3: Tennessee Titans jerseys and all that type of stuff. And 275 00:14:41,600 --> 00:14:43,560 Speaker 3: on the way not on the way back. Later on 276 00:14:44,160 --> 00:14:48,000 Speaker 3: that evening, I had some rehabs set up a massage 277 00:14:48,000 --> 00:14:51,600 Speaker 3: appointment and it's three fifty six. I get the call. 278 00:14:51,720 --> 00:14:54,400 Speaker 3: I'm like this random Tennessee number, pick up the phone 279 00:14:54,480 --> 00:14:55,960 Speaker 3: and man, we need you to bring in your op. 280 00:14:56,520 --> 00:14:58,760 Speaker 3: Oh man, y'all knew. 281 00:14:58,600 --> 00:15:01,280 Speaker 2: This before you send me on the event, the whole 282 00:15:01,360 --> 00:15:03,520 Speaker 2: they sent you on the whole charity of thing and 283 00:15:03,640 --> 00:15:06,240 Speaker 2: all that, and then they waited four minutes before the 284 00:15:06,280 --> 00:15:07,040 Speaker 2: deadline of country. 285 00:15:07,080 --> 00:15:08,480 Speaker 4: So you don't get paid for the week four minutes. 286 00:15:08,520 --> 00:15:09,320 Speaker 4: What about the massage? 287 00:15:09,360 --> 00:15:12,800 Speaker 3: You have to cancel it or to be quite honest 288 00:15:12,840 --> 00:15:14,800 Speaker 3: with you, I told myself, I was like, I probably 289 00:15:14,840 --> 00:15:17,520 Speaker 3: should cancer because I don't know when that next check 290 00:15:17,560 --> 00:15:19,360 Speaker 3: you comes right right, you know what, hey man, you 291 00:15:19,480 --> 00:15:22,600 Speaker 3: gotta I probably need it right now. You know, I 292 00:15:22,680 --> 00:15:25,520 Speaker 3: probably need to just relax. So uh so yeah, so 293 00:15:25,720 --> 00:15:30,280 Speaker 3: my family literally they would know, don't call me on Tuesday, 294 00:15:30,320 --> 00:15:33,360 Speaker 3: so literally at four to one, so years later, four 295 00:15:33,600 --> 00:15:37,760 Speaker 3: one pm, whenever I was good, I'd send them a 296 00:15:37,800 --> 00:15:42,640 Speaker 3: bunch of gifts, a bunch of money we count making 297 00:15:42,720 --> 00:15:44,680 Speaker 3: it Raine and all that type of stuff. And then 298 00:15:44,920 --> 00:15:49,520 Speaker 3: after you get to year five, uh, once that ball 299 00:15:49,640 --> 00:15:51,480 Speaker 3: is kicked off in your first in the fel game, 300 00:15:51,880 --> 00:15:55,000 Speaker 3: then you're guaranteed your salary for the whole year. So 301 00:15:55,160 --> 00:15:58,640 Speaker 3: like last year that for veterans. You're a veteran, so 302 00:15:59,080 --> 00:16:02,720 Speaker 3: last year was my first, you're having that. So after 303 00:16:02,800 --> 00:16:06,360 Speaker 3: that first game, I just sent them like sixty you know, 304 00:16:06,520 --> 00:16:09,560 Speaker 3: sixteen different ones. But it's it's a lot of that 305 00:16:09,720 --> 00:16:12,480 Speaker 3: goes into it. Basically, you know what you're getting at 306 00:16:12,600 --> 00:16:14,280 Speaker 3: is there's a lot that goes into it that people 307 00:16:14,320 --> 00:16:17,080 Speaker 3: don't think about. They don't understand. Yes, you see that 308 00:16:17,160 --> 00:16:20,720 Speaker 3: big contract, you see that big number, and that is great, right, 309 00:16:21,080 --> 00:16:23,760 Speaker 3: but what are you really getting from that one? You 310 00:16:23,840 --> 00:16:26,440 Speaker 3: got a fifty fifty percent of it gone off? 311 00:16:26,720 --> 00:16:29,520 Speaker 2: The talk about that because a lot people don't fully 312 00:16:29,600 --> 00:16:32,200 Speaker 2: understand how taxes work, right, and they're like, well you should, 313 00:16:32,200 --> 00:16:35,320 Speaker 2: you should set up corporation. Like their employees, they get 314 00:16:35,400 --> 00:16:37,120 Speaker 2: paid just like how you get paid, right, so they 315 00:16:37,120 --> 00:16:39,600 Speaker 2: don't have opportunity to defer the income. 316 00:16:40,040 --> 00:16:42,400 Speaker 3: It's it's not an option, right, your boss ain't going 317 00:16:42,480 --> 00:16:43,440 Speaker 3: for that exactly. 318 00:16:43,760 --> 00:16:46,520 Speaker 2: So I because social media, a lot of times people 319 00:16:46,560 --> 00:16:49,200 Speaker 2: write that like well they if they were smart, Like, no, 320 00:16:49,320 --> 00:16:51,320 Speaker 2: it doesn't work like that, just like if you were smart, 321 00:16:51,360 --> 00:16:52,920 Speaker 2: you were doing that right. No, you don't have that 322 00:16:53,000 --> 00:16:56,160 Speaker 2: option so automatically, because you know how you tax automatically 323 00:16:57,040 --> 00:17:00,520 Speaker 2: goes to tax gone off the red. Depending on what 324 00:17:00,560 --> 00:17:03,040 Speaker 2: state tu're in, it's even higher, right then the state 325 00:17:03,120 --> 00:17:05,080 Speaker 2: tax they take that out of your paycheck every time 326 00:17:05,080 --> 00:17:06,720 Speaker 2: you get paid in that in that particular. 327 00:17:07,320 --> 00:17:11,240 Speaker 3: Yep, yep, they'll do that. Uh like if you so, 328 00:17:11,400 --> 00:17:13,520 Speaker 3: if you're playing in California, so you look at the schedule, 329 00:17:13,560 --> 00:17:16,679 Speaker 3: you're like, dang, I got three games in California right 330 00:17:16,880 --> 00:17:21,359 Speaker 3: West coast trip that you know you get taxed at 331 00:17:21,359 --> 00:17:23,119 Speaker 3: that California rates thirteen percent. 332 00:17:23,440 --> 00:17:26,240 Speaker 4: And it's crazy because Rod Smith shout out to Rod Smith. 333 00:17:26,280 --> 00:17:28,119 Speaker 2: He's he's been a loyal follow up from the beginning, 334 00:17:28,480 --> 00:17:30,200 Speaker 2: and anybody has no Rod Smith. 335 00:17:30,240 --> 00:17:31,000 Speaker 4: He's a Hall of. 336 00:17:31,000 --> 00:17:34,080 Speaker 3: Famer frint uh not yet, but a legend, a legend. 337 00:17:33,960 --> 00:17:37,640 Speaker 4: And deva Denver Dever Broncos wide receiver, Denver legend. 338 00:17:37,720 --> 00:17:40,560 Speaker 2: So I put a post up a while ago and 339 00:17:40,640 --> 00:17:42,520 Speaker 2: me and him he was common and he was like, yeah, 340 00:17:42,560 --> 00:17:45,480 Speaker 2: when people don't realize it's that a right, California has 341 00:17:45,480 --> 00:17:47,560 Speaker 2: the highest state tax in the country, right, like thirteen percent. 342 00:17:47,640 --> 00:17:49,320 Speaker 2: Like you said, let's say you played it in for 343 00:17:49,440 --> 00:17:52,679 Speaker 2: Miami Dolphins Florida, right, which Florida has no state income tax. Right, 344 00:17:53,000 --> 00:17:57,040 Speaker 2: So what happens is that you might practice in Florida 345 00:17:57,240 --> 00:18:00,639 Speaker 2: from Monday to let's say Thursday, right fly when you 346 00:18:00,720 --> 00:18:03,800 Speaker 2: fly out for a Sunday game Saturday Saturday, So you 347 00:18:03,920 --> 00:18:06,679 Speaker 2: practice from Monday to Saturday in Florida. 348 00:18:07,560 --> 00:18:08,679 Speaker 4: You are in Florida. 349 00:18:08,680 --> 00:18:13,400 Speaker 2: You're in California for Saturday and Sunday, maybe like Monday 350 00:18:13,600 --> 00:18:17,280 Speaker 2: morning early. So you only spent two days in California, 351 00:18:17,359 --> 00:18:19,600 Speaker 2: but the whole week is taxed in California because that's 352 00:18:19,600 --> 00:18:20,280 Speaker 2: where you played the game. 353 00:18:20,320 --> 00:18:20,439 Speaker 5: Man. 354 00:18:20,880 --> 00:18:23,320 Speaker 2: So even though you prepared, like only spend forty eight 355 00:18:23,400 --> 00:18:26,840 Speaker 2: hours in that particular state, and you practiced in the 356 00:18:26,920 --> 00:18:29,560 Speaker 2: state that you actually live in, but it doesn't matter. 357 00:18:29,680 --> 00:18:31,280 Speaker 2: You played that game in that space. So for the 358 00:18:31,359 --> 00:18:34,359 Speaker 2: whole week, the whole week's paycheck is taxed in California. 359 00:18:34,440 --> 00:18:39,480 Speaker 6: Yeah, you guys played Jersey state tax or is it Jersey? Right, 360 00:18:39,640 --> 00:18:40,520 Speaker 6: that's what it got played. 361 00:18:40,560 --> 00:18:43,320 Speaker 3: Yeah, okay, but I wouldn't be surprised. New York trying 362 00:18:43,359 --> 00:18:44,840 Speaker 3: to take a little bit of that too. I'm thinking 363 00:18:45,000 --> 00:18:51,440 Speaker 3: like New York, but I wouldn't be surprised. Trust me, 364 00:18:51,520 --> 00:18:54,640 Speaker 3: I'd have seen a lot I've seen, like you said. 365 00:18:54,760 --> 00:18:58,080 Speaker 3: Every So when we play a team in Texas, it's like, okay, cool, right, 366 00:18:58,520 --> 00:19:02,280 Speaker 3: London games London and or national taxes they cost a 367 00:19:02,320 --> 00:19:06,840 Speaker 3: bit too, right. Florida teams you know, you see Miami 368 00:19:06,960 --> 00:19:10,040 Speaker 3: or Tampa ballion schedule, you likes Tennessee, you know cool. 369 00:19:11,960 --> 00:19:15,119 Speaker 3: Another thing, you know, a few years ago, there was 370 00:19:15,160 --> 00:19:17,640 Speaker 3: a guy in the locker room when I was in Detroit. Detroit, 371 00:19:17,720 --> 00:19:19,960 Speaker 3: they have the city tax and the state tax, so 372 00:19:20,000 --> 00:19:21,760 Speaker 3: they'll tax you in Michigan and then they'll tax you 373 00:19:21,800 --> 00:19:27,720 Speaker 3: in Detroit. Now when we so, one guy got very 374 00:19:27,880 --> 00:19:31,560 Speaker 3: very smart financial advisor account and got very very smart 375 00:19:31,640 --> 00:19:34,080 Speaker 3: with it. Because again, like you said, if you guys 376 00:19:34,080 --> 00:19:36,080 Speaker 3: are want to play the game with me, of like, okay, hey, 377 00:19:36,160 --> 00:19:40,439 Speaker 3: I'm only here for twenty four hours. You know, sometimes 378 00:19:40,480 --> 00:19:42,600 Speaker 3: we fly in at five pm, we out the next 379 00:19:42,720 --> 00:19:45,320 Speaker 3: day at five pm. After the game kickoffs at one. 380 00:19:47,000 --> 00:19:48,359 Speaker 3: You know, I'm only here for twenty four hours. You're 381 00:19:48,359 --> 00:19:49,400 Speaker 3: gonna tax me for the whole week. 382 00:19:49,680 --> 00:19:50,119 Speaker 4: I remember. 383 00:19:50,680 --> 00:19:55,400 Speaker 3: His issue was Detroit was taking tax every single week 384 00:19:55,560 --> 00:19:59,440 Speaker 3: as if we trained there, played there, and all that stuff, 385 00:19:59,520 --> 00:20:00,879 Speaker 3: like we were there for the whole week. So when 386 00:20:00,880 --> 00:20:04,200 Speaker 3: you when you play with the Lions, the our facilities 387 00:20:04,280 --> 00:20:09,760 Speaker 3: in Allen Park, the stadium is in Detroit, Michigan. It's 388 00:20:09,800 --> 00:20:12,320 Speaker 3: like a twenty minute ride. But Detroit was trying to 389 00:20:12,359 --> 00:20:15,280 Speaker 3: take taxes as if you were there every single play. 390 00:20:15,440 --> 00:20:18,920 Speaker 3: So they'll actually literally break down the days and be like, well, 391 00:20:19,000 --> 00:20:21,200 Speaker 3: you know, you were here one hundred and such and 392 00:20:21,280 --> 00:20:24,280 Speaker 3: such days. So he was like, you know, okay, I'm 393 00:20:24,400 --> 00:20:28,399 Speaker 3: actually only there out of the what eight home games. 394 00:20:28,960 --> 00:20:31,560 Speaker 3: I'm there Saturday night when we stay at the team hotel, 395 00:20:31,640 --> 00:20:35,040 Speaker 3: and I'm there Sunday when we played. So them one 396 00:20:35,080 --> 00:20:37,520 Speaker 3: hundred and eighty days. Now you got sixteen of them, right, 397 00:20:37,680 --> 00:20:40,119 Speaker 3: And so he ended up going back and getting some 398 00:20:40,200 --> 00:20:41,399 Speaker 3: money from Detroit on that. 399 00:20:42,640 --> 00:20:44,399 Speaker 6: So the interesting thing is like the way your mind's 400 00:20:44,440 --> 00:20:46,399 Speaker 6: working right now. You're like, if I play in Texas, right, 401 00:20:46,400 --> 00:20:48,280 Speaker 6: if I'm playing the Cowboys or the Texans, I know 402 00:20:48,320 --> 00:20:51,440 Speaker 6: there's no state tex How many of your counterparts have 403 00:20:51,600 --> 00:20:52,360 Speaker 6: that same mind frame? 404 00:20:52,480 --> 00:20:53,119 Speaker 4: I think a lot do? 405 00:20:53,400 --> 00:20:55,480 Speaker 3: I think a lot do? Because I mean, at that point, 406 00:20:55,520 --> 00:21:00,640 Speaker 3: you're talking about thousands, right, Like you're not talking about 407 00:21:00,800 --> 00:21:02,920 Speaker 3: like you're talking about the difference in you know, depending 408 00:21:02,960 --> 00:21:04,840 Speaker 3: on what you're making. You're talking about the difference in 409 00:21:04,960 --> 00:21:10,359 Speaker 3: like sixth sex your grand by playing somewhere else versus 410 00:21:11,160 --> 00:21:13,640 Speaker 3: you know, I mean some guys, I mean the way 411 00:21:13,640 --> 00:21:16,479 Speaker 3: they get paid some guys. You're talking a good fifteen 412 00:21:16,560 --> 00:21:20,600 Speaker 3: twenty grand difference, right, So guys are thinking about it again, 413 00:21:21,000 --> 00:21:23,760 Speaker 3: you know, not to take up all yall time. But 414 00:21:24,160 --> 00:21:27,400 Speaker 3: there's different things that people out there just don't understand, 415 00:21:28,040 --> 00:21:31,080 Speaker 3: like the fact of like you have to have multiple 416 00:21:31,119 --> 00:21:35,399 Speaker 3: places of residency, see right, Like sometimes like you literally 417 00:21:35,560 --> 00:21:38,000 Speaker 3: just have to. And I've never wanted to be that 418 00:21:38,119 --> 00:21:42,359 Speaker 3: guy having Like I'm a frugal person, right, I'm cheap 419 00:21:43,040 --> 00:21:45,480 Speaker 3: school with me, right, I have no problem. I'm proud 420 00:21:45,520 --> 00:21:49,520 Speaker 3: of it. But like, I literally I have a home 421 00:21:49,600 --> 00:21:51,280 Speaker 3: base here in New Jersey with my wife and I. 422 00:21:51,480 --> 00:21:54,639 Speaker 3: When I was playing in Detroit, she works in Manhattan 423 00:21:55,200 --> 00:21:57,879 Speaker 3: and she's from here, we had home base here. So 424 00:21:58,040 --> 00:22:00,600 Speaker 3: now play with the Jets, I'm like, man, okay, Like 425 00:22:01,040 --> 00:22:05,200 Speaker 3: we can just have home base, like and that's the crib. Well, 426 00:22:05,280 --> 00:22:08,080 Speaker 3: guess what home base for me is forty five minutes 427 00:22:08,119 --> 00:22:10,640 Speaker 3: away from here in no traffic. So if I wake 428 00:22:10,720 --> 00:22:12,800 Speaker 3: up in the morning and it's raining hard. I remember 429 00:22:12,800 --> 00:22:15,240 Speaker 3: my first day trying to come in and reporting to 430 00:22:15,359 --> 00:22:18,680 Speaker 3: the Jets. It was raining hard, and my driving from 431 00:22:18,760 --> 00:22:22,040 Speaker 3: forty five minutes no traffic. And this is like six 432 00:22:22,240 --> 00:22:25,600 Speaker 3: thirty in the morning right to an hour and fifteen minutes. 433 00:22:26,400 --> 00:22:28,080 Speaker 3: Now people are like, oh, well, just wake up early 434 00:22:28,160 --> 00:22:29,720 Speaker 3: and all that type of stuff. Well, guess what if 435 00:22:29,800 --> 00:22:31,800 Speaker 3: you're late to your job, you get a slap on 436 00:22:31,880 --> 00:22:33,960 Speaker 3: the risk, right, you bost You know, at a certain 437 00:22:34,000 --> 00:22:35,760 Speaker 3: point you can't keep being laid. You'll get your you 438 00:22:35,880 --> 00:22:37,879 Speaker 3: get fired. But for me, if I'm late, that's a 439 00:22:37,920 --> 00:22:42,639 Speaker 3: thirteen thousand dollars fine, right, Like that's ill. You know 440 00:22:42,640 --> 00:22:45,320 Speaker 3: what I'm saying, I'll go ahead. And so last year 441 00:22:45,480 --> 00:22:47,320 Speaker 3: I had to rent a place. I have a house 442 00:22:47,520 --> 00:22:50,560 Speaker 3: forty minutes from here, and I had I mean, some 443 00:22:50,640 --> 00:22:52,480 Speaker 3: people might be like, well, you didn't have to know, 444 00:22:52,760 --> 00:22:55,840 Speaker 3: Like for me, I had to rent a place seven minutes. 445 00:22:55,840 --> 00:22:57,880 Speaker 3: It's not worth the risk, right, It's not worth the risk. 446 00:22:58,000 --> 00:23:00,720 Speaker 3: It's not worth being a few minutes. And then also 447 00:23:00,800 --> 00:23:02,640 Speaker 3: it's just the cost of doing business. 448 00:23:02,520 --> 00:23:04,560 Speaker 4: Right, he's going travel at forty five minutes. 449 00:23:04,880 --> 00:23:07,680 Speaker 3: Yeah, forty five minutes when I'm like, I told people 450 00:23:07,760 --> 00:23:10,400 Speaker 3: it's an investment as well, right, Like forty five minutes. 451 00:23:10,440 --> 00:23:12,520 Speaker 3: That's forty five minutes I could be working on my 452 00:23:12,960 --> 00:23:15,440 Speaker 3: body getting ready for the next week's game. That's forty 453 00:23:15,480 --> 00:23:17,879 Speaker 3: five minutes that somebody is literally watching film with just 454 00:23:18,000 --> 00:23:20,160 Speaker 3: how am I gonna whoop Brandon coping this week? 455 00:23:20,320 --> 00:23:20,439 Speaker 4: Right? 456 00:23:20,760 --> 00:23:22,400 Speaker 3: And I need that forty five minutes to make sure 457 00:23:22,440 --> 00:23:25,720 Speaker 3: I'm prepared for him as well. So there's a bunch 458 00:23:25,760 --> 00:23:30,560 Speaker 3: of different costs. You know, guys talk about transporting vehicles 459 00:23:30,600 --> 00:23:33,840 Speaker 3: back and forth, right, Like I live in California, but 460 00:23:34,280 --> 00:23:36,400 Speaker 3: you know, on my home base, I'm born and raised 461 00:23:36,400 --> 00:23:38,600 Speaker 3: in California. I have everything over there. But now I'm 462 00:23:38,720 --> 00:23:41,640 Speaker 3: with the Jets. Right, how's my vehicle getting back and forth? 463 00:23:41,760 --> 00:23:43,840 Speaker 3: Or am I gonna uber it every day? Am I 464 00:23:43,920 --> 00:23:46,520 Speaker 3: gonna walk every day? Bike every day? What about when 465 00:23:46,560 --> 00:23:49,760 Speaker 3: it's snowy? So do I need to pay the transport 466 00:23:49,920 --> 00:23:51,800 Speaker 3: back a car back and forth? Do I need a 467 00:23:51,840 --> 00:23:53,560 Speaker 3: rental car? Do I need to buy a car? Some 468 00:23:53,720 --> 00:23:56,159 Speaker 3: of these costs that we see guys with with like, 469 00:23:56,359 --> 00:23:58,800 Speaker 3: you know, we just assumed like, oh, this guy, he's 470 00:23:58,880 --> 00:24:01,400 Speaker 3: being extra, he's doing you know, some of this stuff 471 00:24:01,520 --> 00:24:04,240 Speaker 3: is just a cost of like convenience and doing business 472 00:24:04,480 --> 00:24:07,359 Speaker 3: at a high level. Right, And that you know, again, 473 00:24:07,480 --> 00:24:10,440 Speaker 3: it was not a woe is us, Right, I'm thankful 474 00:24:10,760 --> 00:24:12,960 Speaker 3: to have those type of problems as opposed to others. 475 00:24:13,080 --> 00:24:15,800 Speaker 3: But you know, those are costs that you just can't 476 00:24:16,520 --> 00:24:17,040 Speaker 3: escape from. 477 00:24:17,119 --> 00:24:45,800 Speaker 5: You just realized your business needed to hire someone yesterday 478 00:24:46,359 --> 00:24:51,040 Speaker 5: how can you find amazing candidates fast easy? Just use Indeed. 479 00:24:51,520 --> 00:24:54,200 Speaker 5: Stop struggling to get your job posts seen on other 480 00:24:54,359 --> 00:24:57,960 Speaker 5: job sites. With Indeed sponsored jobs, your post jumps to 481 00:24:58,040 --> 00:25:00,560 Speaker 5: the top of the page for your relevant candidates, so 482 00:25:00,680 --> 00:25:03,639 Speaker 5: you can reach the people you want faster. According to 483 00:25:03,720 --> 00:25:07,639 Speaker 5: Indeed data, sponsored jobs posted directly on Indeed have forty 484 00:25:07,680 --> 00:25:11,600 Speaker 5: five percent more applications than non sponsored jobs. Don't wait 485 00:25:11,640 --> 00:25:15,040 Speaker 5: any longer, speed up your hiring right now with Indeed, 486 00:25:15,520 --> 00:25:17,720 Speaker 5: and listeners of this show will get a seventy five 487 00:25:17,800 --> 00:25:20,920 Speaker 5: dollars sponsored job credit to get your jobs more visibility 488 00:25:21,160 --> 00:25:26,800 Speaker 5: at indeed dot com slash pod Katz thirteen. Just go 489 00:25:26,920 --> 00:25:31,600 Speaker 5: to Indeed dot com slash pod katz thirteen right now 490 00:25:32,040 --> 00:25:34,560 Speaker 5: and support our show by saying you heard about Indeed 491 00:25:34,640 --> 00:25:38,879 Speaker 5: on this podcast. Terms and conditions apply. Hiring Indeed is 492 00:25:39,000 --> 00:25:39,560 Speaker 5: all you need