I’d bet the farm that little, if any, of that up front NIL money for maybe 95% of the kids that get it gets invested through a knowledgeable financial management professional. And that 95% may be too low.They'll pay somewhere close to $600,000-$800,000 of income tax right off the top of that $2 million so they're not even starting out with $2 million. But I get it, I really do. That type of money is too tempting for not only most kids but the kids' families. They only see the immediate impact of the money, but most never consider the long term of how little that is, especially considering a lot of the players are expected to support more than just mom and dad.

