The biggest contract of your life is not the number on the headline. Jeff Locke opens with the math on a $132 million deal: $100 million "guaranteed," about $80 million likely to be paid, and roughly $45 million in your pocket after tax and agent fees.

From there, Sam Acho, Zach Miller, Jeff Locke, and host Riccardo Stewart go around the table on what it actually feels like to get paid in the NFL, and what separates the players who get it right from the ones who get it wrong.

On the wrong side: trusting people you don't need to trust, anchoring your spending to the headline number, and never learning the business of the NFL.

On the right side: living simple and staying a ball guy, building a giving plan before the requests come in, thinking like a CEO about who is on your team and how they get paid, and staying educated instead of handing everything off. Three former players, one former coach, no corporate speak.

Connect with Us

• Call or text us: 602-989-5022
• Website: https://www.athletefamilyoffice.com
• YouTube: https://www.youtube.com/channel/UCc1NxpK21N1vKWEExC45YEA
• LinkedIn: https://www.linkedin.com/company/awmcapital/
• Instagram: https://www.instagram.com/awmcapital/
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Chapters
00:00 Cold Open: $132 Million Is Really $45 Million
00:30 Welcome: Getting Paid, Getting It Right vs Getting It Wrong
01:32 Zach Miller: What Signing The Big Deal Actually Feels Like
02:52 Getting It Wrong: Trusting People You Don't Need To (Sam Acho)
04:29 Getting It Wrong: Anchoring Your Spending To The Headline Number (Jeff Locke)
05:54 Getting It Wrong: Not Understanding The Business Of The NFL (Zach Miller)
07:42 Getting It Right: Living Simple And Staying A Ball Guy
08:42 Getting It Right: Building A Giving Plan Before The Requests Come In
09:48 Getting It Right: Thinking Like A CEO
10:48 Getting It Right: Staying Educated, Plus How To Reach Us

In this episode of the NFL Players' Podcast, Sam Acho, Zach Miller, Jeff Locke, and Riccardo Stewart pick up where last episode's Rich Paul conversation left off: is $200 million actually enough to build a 1Hundred Year Family? The guys break down the three things that separate athletes who build real multi-generational wealth from those who don't — integration (getting your whole team rowing in the same direction), specialization (working with advisors who only serve athletes), and the real numbers behind "ultra wealth," including the estate tax most players never see coming. It's a raw, locker-room breakdown of what it actually takes to make your money outlast your career, and then some.

Connect with us
• Call or text: 602-989-5022
• Website: https://www.athletefamilyoffice.com/
• LinkedIn: https://www.linkedin.com/company/awmcapital/

• Instagram: https://www.instagram.com/awmcapital/
• Facebook: https://www.facebook.com/awmcapital/
• X: https://twitter.com/awmcapital

Chapters
[00:00] Recapping the Rich Paul question: is $200 million enough?

[00:02] Stats Say No: Jeff Locke on the hard truth about generational wealth

[00:03] What Is a Family Office: Why it should be an athlete's first hire

[00:04] Integration: Getting your whole team rowing in the same direction

[00:05] The Wealth Strategist: Why you need a quarterback, not "a guy"

[00:07] Specialization: Why athlete-specific advisors change everything

[00:09] Ultra Wealth: What "$30 million net worth" really means

[00:11] Peace of Mind: What it feels like when the plan finally works

[00:13] How to reach the AWM team

Rich Paul told his own clients that $200 million isn't enough money. On this episode, Sam Acho, Zach Miller, Jeff Locke, and Riccardo Stewart kick off a new series, The 1Hundred Year Family, to find out why he's right. They break down exactly where a $200 million contract actually goes: the taxes nobody explains at the rookie symposium, the 40% estate tax waiting on the back end, and the lifestyle creep that quietly sinks more careers than any bad investment. This is part one of a series on what it really takes to build wealth that outlasts your own career — and your kids', and theirs.

Chapters
[00:00] Introduction: Riccardo opens the new "1Hundred Year Family" series and the Pac-Man story that sparked it.
[00:01] Why some things are built to last and most things aren't.
[00:02] Third-generation wealth loss the real reasons families lose it all.
[00:03] Rich Paul's "$200 million isn't enough" comment
[00:03] Sam Acho — "True wealth is what you don't see."
[00:05] Zach Miller: the income tax and 40% estate tax math on a $200M contract.
[00:07] Riccardo presses on double taxation between income and estate tax.
[00:08] Jeff Locke: the 4-5% retirement rule and why it doesn't work for athletes.
[00:10] Lifestyle creep" why it's one of the hardest habits to reverse.
[00:12] Consumerism named as the real enemy of the 1Hundred Year Family

Connect with us
• Call or text: 602-989-5022
• Website: https://www.athletefamilyoffice.com/
• LinkedIn: https://www.linkedin.com/company/awmcapital/

• Instagram: https://www.instagram.com/awmcapital/
• Facebook: https://www.facebook.com/awmcapital/
• X: https://twitter.com/awmcapital