The Truth About NIL What Every Athlete & Parent Needs to Know

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• 3:46Speaker 05

  A lot of times, people think NIL and they're thinking of like the most high-level player in the world and somebody that's getting $5 million. But explain how players are getting NIL deals that you've never heard of. Players that, like you said, a fourth-round draft pick that's getting $1 million or players getting $30,000 from a mid-major or low-major D1. Like, set that level of expectation cuz I think that that's something that a lot of people could relate to and they might not be aware that you can still get money in the NIL world even if you're not a household name. And like I said, all you guys can chime in on that.

• 4:22Speaker 06

  Okay, you want me to start?

• 4:24Speaker 05

  Whoever, Tiny, you want to start?

• 4:26Speaker 07

  Yeah, um, yeah, I was just talking about that the other day. There's a kid at Rafferty University that's getting $700,000.

• 4:37Speaker 07

  So, and these are facts. So, what I say to the youth is that, and parents, it was a time where people used to say, "Don't put your eggs in one basket." Sports matters. It matters a lot. It's taking kids from high school to become entrepreneurs. Like, we don't need the NBA anymore, which is the organization. We need parents to really focus on that sports can make a huge difference. And I'm not saying, you know, it's the all and be all, but because of my life has been, you know, helping sports, I think that's very important.

• 5:22Speaker 07

  So like you were saying, you don't have to be the McDonald's American. You don't have to be the starting five on your high school team. You stay with it and you can benefit from NIL, which is, you know, which is excellent.

• 5:37Speaker 06

  There's NIL, which is a real NIL, which is what it was originally made for, where you can actually go out there and get a brand endorsement deal where you promote a brand or create a partnership with a brand and you get paid for that. The number two way is from collectives. Colleges now have created, since this inception, they created collectives which are not run by the school at first. It was run by boosters, which is alumni, and they came in and they set up partnerships for you. And it was kind of hidden pay-for-play, but that was the way they disguised it in marketing brands. The third way now, which came into play July 1 through Congress,

• 6:21Speaker 06

  is called revenue share. And now, schools can pay you directly from their funds. And that, for the most part, is pay-for-play. So those are the three ways you can get paid. And with the revenue share, schools can pay up to $22 million. They have a budget. They're allowed to use up to $22 million for college rev share, and that's for their whole budget, for all their teams. For the most part of that, football is gonna get the biggest part if they have football. Every school has a different percentage, but it has to be broken down. And that's the way, those are the three ways they can pay a college athlete.

• 7:05Speaker 04

  Yeah, football is gonna get the most because football is making the most money. When you talk about rev share. But I guess to answer your question, the kids can make significant amount of money in college, and it's not just the high D1 level, the Power Five level. You know, you got kids at mid-major level making $100,000, $250,000 a year. That's more than some of these kids' families make. So college sports is actually a serious, serious business, and it's very important that these kids get the right advice and have the right team around them. I did a deal for a kid making $500,000 who might not even start at college.

• 7:48Speaker 04

  If you could do that for four or five years, you would have made more money than some kids' parents would have made in a lifetime. So you can't just, you know, gloss over this, what's happening and what's going on. It's serious business and it's serious money.

• 8:04Speaker 05

  So, you are a lawyer. You draw up contracts. You actually just educating me backstage, all of you guys, as far as NIL deals, they're not all the same. I thought it was like a standard, like a scholarship, right? Where you sign the scholarship papers, and all the scholarship papers are the same. So you're negotiating NIL deals, right? So what's some things to look out for? And what's some things to add? What's some clauses? Like, what's some things to be aware of? Greg, you can answer that as well.

• 8:31Speaker 06

  Well, I'll start off by saying this. The colleges now are going to a pro model. It's pro sports. If you Google and look what's going on, all these schools, starting at the top, they're hiring people from pro teams, basketball and football. Most Power Five schools now, football and basketball, I'd say about 80% of them have what you call the general manager. We, you know, we're supposed to have Daniel Abrams, which is, that's his position at Boston College Basketball. He couldn't make it today. But they hire those guys, and some of these schools also have cap guys, which is the salary cap. So their jobs between those two guys, they manage the roster, roster construction, and they manage the portal acquisitions, and they talk with the agents.

• 9:16Speaker 06

  So when you're hiring people to talk with agents, their job is to do school-friendly deals, to make sure they protect that money for the school. Same way if you're with the New York Jets, their job is to make sure that they benefit from the contract. So when you have that, and you may have somebody that's negotiating for you that does not have the experience of someone like a lawyer or an agent, now you're putting yourself at a disadvantage. So, I do NFL contracts. We deal with a collective bargain agreement. And most of those contracts, the template is the same.

• 9:57Speaker 06

  One thing that we're gonna negotiate is, of course, the amount of money and some of the language. When you're dealing with a college, you're dealing with over 300 and something different Division One schools. I haven't seen the same contract yet. Every contract's different. And every contract's different. So their job is to protect the money for the University of Maryland. So, trust me, when they have somebody come in and they might say, "Oh, it's the dad that..." They realize the dad has no experience in negotiating and all that. They will love, they love that. They will try to take advantage of you.

• 10:38Speaker 04

  Yeah, especially if they trying to get the kid. I want to talk on one point that you made earlier.

• 10:43Speaker 04

  So a lot of kids, you know, they'll have their friend or a family member representing them. It's not necessarily that they have the bad

• 10:50Speaker 05

  Intention is just they don't have the the experience or the knowledge or the acumen to make sure that you're doing what's in the best interest of the athlete, the student athlete. So there's a lot of different things that could be in a in a in a agreement with a university. Um, how the money is paid out, which can be tricky. Kid could say, um, college coach say, hey, you come to my school, I'm gonna pay you $250,000 to play. Um, there could be provisions in there, um, if the kid plays that year, you know, if he's not redshirted. It could be how the money is broken down. Some schools will pay it monthly, some schools will try to back in the the money. So that if the kid enters the portal, then the payments stop right away.

• 11:32Speaker 05

  I mean, some of this is technical, but that's why you should get a lawyer to review the agreement. Because there could be different provisions in there or conditions in there that could prevent the kid from actually getting the money or all the money that the kid signed up to go to that university for.

• 11:48Speaker 07

  I'm gonna add to that, um, so let's go down a little level. Let's go down before you get to that level. I'm on the high school level, right? And recently, I've seen contracts of kids with N I O deals that's still in high school. So for all you guys that's still in high school, you know, you have a chance to benefit. But it's tricky and it's dangerous. What I'm trying to say is this, there's a lot of people, what I call the B A C, the Bad Advice Crew. They will forward you your N I O deal. Say you the top sophomore in the country, they give you a hundred thousand. They get it back from the colleges.

• 12:29Speaker 07

  So you're not really, ain't no money coming out your pocket, ain't no money coming out their pocket. But now they got you tied down. And now you gotta follow what they ask you to do, because you're getting paid. That's on our level. So this is serious business, serious business, and we gotta watch out, we gotta watch out youth, but we gotta watch out communities.

• 12:53Speaker 05

  So Tiny, I want to follow up with you as far as on the the high school level. We have another legendary high school coach in here, it's Coach Amino. Appreciate him coming. What's your advice for young people as far as how they're managing their brands on social media? Some of the things that you've you're seeing currently, you coached the Nike Elite team this summer. I spoke to the the guys when you were there. So like, what are you seeing from the the grassroots level right now in 2025? That can either be helpful or harmful for young people?

• 13:23Speaker 07

  Um, yeah, that's that's that's deep. I went to this school back in the nineties and we didn't have the social media that we had now. So it was totally different. But what I am seeing is two things. You know, I I I believe social media is probably, you know, one of the worst things and the best thing that happened to us as a community.

• 13:44Speaker 07

  The kids are becoming a little bit more professional. They are becoming entrepreneurs, but they taking the integrity out of the game.

• 13:54Speaker 07

  It's impossible for you to, uh, make every shot, to play, play good all the time. So that's not the reality of it. So the social media part is really, I I believe, taking the integrity out of the game. But I also feel that the co- the high school coaches gotta be more of just being the X and O guy.

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• 20:47Speaker 07

  They really gotta get involved, because social media do matters. And if you're a coach that don't want to get involved with the social media, you're not really trying to help the kid go to the next level or phases. So it's it's a give and take. And I think, you know, I go back to the parents, I go back to the the mentors, the high school coaches, the grassroots people. It's gotta be a collective, uh, teamwork. You know, it's this is called, it's called grassroots for a reason. That's not about the high school coach, it's about the whole community understanding that there's a chance of us, you know, benefiting.

• 21:26Speaker 05

  So, Matt, let me ask you. As far as, um, I'm a, I'm a, I'm a good player in high school, right? I'm averaging 17 points and I'm getting recruited by a bunch of mid-major schools, right?

• 21:43Speaker 05

  Now, do I go to an agent like Greg? Do I go to a lawyer like yourself? Do I go to both? Like, who do I contact first? That's, that's a good, good question, and that we could probably go spin around for this. So hopefully, as a high school athlete, um, I'm doing well in high Hopefully I'm affiliated with a good grassroots mentor, coach, organization that's going to help guide me, that has experience guiding other players. Those are questions that parents, we should ask, and the reason why I could jump into this is because I have a kid that's going through this now too. You want to see the organizations or the school that your kid is playing for or participating in? What's their history? What's their track record?

• 22:27Speaker 05

  What other kids have they successfully helped matriculate through college? Or, you know, everybody's not going to make it to the league. So, you know, what, you know, so those are the things that I look for. Like, what, what kids went through that program? But for me, I think a lawyer, I mean, I'm biased, but I think a lawyer is a critical part of the team for any family making any decisions. Because once contracts are involved, you need to make sure somebody's going to fully advise you and explain, you know, every provision that's in there, and don't take things for granted, you know? The agent is more, probably more so important in college basketball than ever before. Somebody like a Greg, because now kids are entering the portal after one year, going to another school to get more

• 23:12Speaker 05

  money. As a lawyer, I'm not in that world every day to know what college is looking for a point guard, or a running back, or a quarterback. An agent is probably way more versed at helping a kid just navigate his way through college before you even get to the pros. Because now you got the portal that's helping kids go to school and get paid more money than what they did when they came out of high school. But I think it's a whole collective team, you know? The person they trust from the grassroots, the lawyer that's going to advise you and the family and the parents, the agent that you can trust, and it's kind of like a checks and balances, you know? You don't want the agent putting something in front of you that you don't understand either. You know, that's my two cents.

• 23:54Speaker 05

  Greg, talk about the portal, because we're seeing kids that's transferring every year. And it's even crazier than NBA or NFL, because at least you have, you have to stay with your team for a certain amount of years unless you get traded. But this is like, everybody in the NBA has a one-year contract. That's how crazy it would be, right? So you have that, hundreds, thousands of kids that's transferring every single year, even if it's not a bad situation, just because they can get more money. So how do you advise players in the portal, as far as like, making the right decision? And what's your process as far as making sure you're in tune with all of the general managers to see like, you know, what's going on in the world?

• 24:34Speaker 06

  Good question. Every situation is different. Some kids, you, you don't want to move, you, you may think the grass is greener on the other side. Brown grass might be brown grass. If you're moving, what you also got to take into account is, and also, they're already trying to review that and switch that rule. Not switch it, but they're trying to go back to the one, one-time transfer rule in the portal, which I think makes a lot of sense. You got a lot of these guys, you know, you might be getting 200,000 from one school, you want to jump into the portal and try to get 250. You got some guys now, on average, you're going to have kids that have four schools on their resume. Where are you going back for homecoming?

• 25:18Speaker 06

  I mean, that's number one. Number two, all these credits aren't transferring. Coach from this school is going to have you eligible to play for those years. However, when you go across the bridge and you try to get that business degree, those, some of those credits, if you're at Morgan, and you're coming from a lower school like Howard, I'm just messing with my man right here, and your credits might not transfer over. But now, you get out of there in four years, you think you're graduating, but you're not. Now you look, you probably got another year and a half, another three semesters. So that's one thing I'm trying to tell the kids. I would never try to advise a kid to move just for some

• 26:02Speaker 06

  money, unless maybe it's some life-changing money. Or it's a situation where you're a quarterback and this system's not working for you, but you know, you look like you have pro potential, and I'm telling you to go in this offense, they want you, and I know what they got there, and I know where you would be on the depth chart. I think that's the advantage of going with, that's the difference in sometimes going with an agent versus a lawyer.

• 26:25Speaker 05

  You know the Lamar Jackson joke, right? The athlete that says, I don't need an agent, I'm gonna have my mom represent me, because I'm gonna save the 5% that I'm going to pay the agent, and I'm gonna do it that way. Jalen Brown, too.

• 26:38Speaker 06

  Yeah, okay, so it wasn't 5%, you're saving 3, but let this go viral. He did not do the contract, all right? Mark Levin from the NFLPA did the contract. I mean, she did not do the contract. She's not a certified agent. Teams in the NFL cannot negotiate with anybody unless they're a certified agent. So that's number one. And I'm not knocking him, but he played well enough to establish himself, to say, listen, I'm just going to have somebody from the PA help me with this contract. They are not up to doing that for 1,500 players, or whatever amount of players in the NFL. So if you're elite like that, then that's fine, you can do that. The average guy cannot do that. That's, I don't, I wouldn't

• 27:19Speaker 06

  recommend it for them. Going into free agency and trying to find out which of these 32 teams is going to pay him the most and better fit him. Who, you, if you're not certified, and if you're representing yourself, you know what they say, you know, you, you represent yourself as a lawyer, you got a fool for a client.

• 27:38Speaker 05

  I, I would just add to that, just that there's so many examples, and this, because I don't want to like, start bad-mouthing athletes. There's so many examples of athletes that have, that could have benefited from having an agent, or a better agent, like that have made moves that have cost them millions and millions of dollars. I think the value of the agent comes from, is somebody that knows the business, knows the landscape, that can help you navigate. Because, yeah, the NFL has boilerplate, they have a collective bargain agreement. NBA has a collective bargain agreement. There's only so much money you're going to make, depending on where you're drafted, what your position is, what your level is. This, that, that part is fair. So from an athlete saying, I already, it's

• 28:22Speaker 05

  already determined what I'm gonna make, I get that. But what about when it's time to get traded, or free agency, and moving around? You can't, you can't pay for the value of an agent that has relationships and connections to talk to owners and managers and help you navigate that. And now that's trickling down into college, and even into high school. So that's the value to me.

• 28:46Speaker 06

  And, and like, for example, in the NFL, we was back there, and, and Tony saw me looking at, at my phone, he's like, we missed some games. But what I mainly do on a Sunday, I'm looking at stats. But the other main thing I'm looking at, unfortunately, is the injury report. Because if a player gets injured, now I have to manage them through that situation. I had a cornerback I represent on the Arizona Cardinals last, last, just right now, last week, he got hurt. He got back in the locker room, I called the GM, and they said, it looking like the ACL. All right, well, soon you got to get the MRI, send it to me. I'm sending it to what's called a second opinion, that's not affiliated with the team. Sending

• 29:27Speaker 06

  it down to a second opinion, turns out it's a grade three MCL, only eight weeks, where the team was automatically assuming he was going to be out for the season. So that's not something you can do if you're representing yourself. So managing the athlete is more than just negotiating the contract. If he's unhappy, he's talking to the team and the personnel. Can we move him? Should we move him? What is really going on? If he's fine, I gotta go and do an appeal on Tuesdays. I gotta sit on the phone and do appeal. He was, he was fined for having the wrong colored socks in the NFL. That's something you cannot do, I don't think you can do, if you're, you know, a plumber, or HVC, you know, if you're doing something else. Not knocking those professions, but that's what we get

• 30:10Speaker 06

  paid to do, is managing the athlete. So it's more than just negotiating the contract.

• 30:16Speaker 05

  After the athlete stops, stops playing, what are the, I guess, best prospects to get them seeing themselves as a brand, and how they can build intellectual property, and have longevity in their name, image, and likeness?

• 30:32Speaker 07

  It's, it's trickling down. So now, in high school, if you're getting paid, you should be investing your, your future in high school. So like, we was talking about, a guy can make money at 20, at the age of 20, put money in life insurance, some money somewhere for 20 years. So it got trickled down. Those are the conversations that I got to start earlier. Having a sports school is probably, probably our, our best, our best route right now.

• 31:00Speaker 05

  I think the financial advisor piece is probably the most important piece right now, for these kids in college. Because we already know, the majority of the kids are not going to make it to the league. So they got four or five years where they're making 250, 300, 500,000, some of them a million dollars, and that might be it. You know what I mean? Besides whatever they do after that. But if they have the right financial person involved in them, that has helped them invest it, and it's not just the whipping the chains, and they, and they actually got some solid investments, like that, those are the success stories that I would love to start hearing. And the financial person is probably the most important part. I think also just building your brand while you're still in college, too. Like,

• 31:43Speaker 05

  Shiloh Sanders, I think is a great example of that. Not the, not the best player in the world, but got a great personality. And so, when he does get cut, I don't, I don't know if-

• 31:51Speaker 07

  If he he got cut, I don't know if he'll be able to get another another shot. But he's not desperate like he's already making content. He already has a social media following. I think he's going to do good as far as like his brand has already been built and he was building that brand through college. Yeah, so I think planting that seed, especially if you if you already have some level of emotion, some personality, social media gives you a great platform to kind of already brand yourself. So even if it doesn't work out for you, at least you have a springboard.

• 32:18Speaker 03

  Earners, what's up? Look, every purchase is a financial decision, so it's worth asking, what am I getting out of this? If you're using the Chase Freedom Flex Card, you can maximize your cash back on things you need. Groceries and gas, cash back. Dinner, cash back on that, too. More ways to earn, more ways to get rewarded. Sign up for the Chase Freedom Flex Card. Learn more at chase.com/getflex. This is a paid collaboration with Chase Freedom Flex. Cards issued by JPMorgan Chase, N.A., member FDIC. Subject to credit approval. Offer subject to change. Terms apply.

• 32:54Speaker 03

  Earners, what's up? Look, building wealth isn't just about making money. It's about knowing where your money is working for you. That's why we partnered with Empower. Empower is all about helping you invest well so you can go out and live a little. Their free Empower Personal Dashboard gives you a complete view of your financial life in one place. Track your net worth, monitor your budget, analyze your investments, set retirement goals, and more. You've worked hard for your money. Now make sure it's working hard for you. Download the Empower Personal Dashboard or visit empower.com. Not an Empower client, paid, or sponsored.

• 33:31Speaker 02

  Rain outside your house? Relaxing. Rain inside your house? Less relaxing. That's the sound of a bad day. That's when you want to hear something reassuring. Cincinnati Insurance works with local independent agents who get to know you and bring personal attention to protecting your home and most valuable possessions. So when a bad day sounds like this, you have 75 years of expertise helping make it better. Find an independent agent at C I N F I N dot com.

• 34:03Speaker 00

  What's that?

• 34:03Speaker 02

  My fresh detector.

• 34:05Speaker 00

  Uh, your what? There it is. What is it detecting? Fresh produce, fresh meat. Okay, what happens if it detects something really fresh?

• 34:17Speaker 02

  Apparently, we celebrate. At Food Lion, you can count on fresh food at fresher prices. When your fresh detector is going off, head to your local Food Lion or shop at foodlion.com.

• 34:30Speaker 04

  Sponsored by GSK, the makers of Extenture, Depamocumab ULAa. If your asthma keeps interrupting, it may be time to try something else. Extenture is an ultra-long-acting prescription maintenance treatment for severe asthma, eosinophilic type, ages 12 and older. It isn't for sudden breathing problems. Extenture is the first and only add-on treatment that can help deliver protection from asthma attacks with two doses a year, just one dose every six months. That's a lot of time for everything in between. Serious allergic reactions can occur. Get help right away for swelling of face, mouth, tongue, or trouble breathing. Don't change or stop medicines, including steroids, unless told by your doctor. Report if you have a parasitic infection, common cold, sinus infection, inflammation

• 35:15Speaker 04

  in the nose, flu or flulike symptoms, joint pain or sore throat may occur. Carry on with fewer attacks and ask your doctor about Extenture. Learn more at extenture.com or call 1-833-393-3678.

• 35:31Speaker 06

  Hey, I'm Niall Rogers. This fall, I'll be driving across the country, meeting some of today's coolest and most fascinating artists. We'll explore the stories before the moments that changed everything. Because every musician remembers the moment where it all began. Experience Before the Moment, a Lincoln Original Series on the iHeartRadio app, YouTube, or wherever you get your podcasts.

• 36:02Speaker 00

  This is an iHeart Podcast. Guaranteed Human.