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Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by criddell on Friday February 02, 2018 @01:41PM (#16293015)
NFL players are at least well compensated and are adults making decisions for themselves.

My problem is at the high school and college level. The kids are playing with great intensity for nothing more than love of the game and maybe the opportunity to move up. The long term risks seem way too high.

I'd say the same thing about kids playing soccer. I don't think heading the ball should be allowed in high school or college play. I was relieved when my daughter quit soccer.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by roguecoder on Friday February 02, 2018 @03:39PM (#16294018)
The reason we have OSHA is because when workplace safety is the responsibility of each individual to negotiate it becomes non-existent. Putting the responsibility on individuals leads to a race to the bottom: every job can be horribly dangerous as long as the alternative jobs are too.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by khalilravanna on Friday February 02, 2018 @03:58PM (#16294157)
Totally agree. Another aspect of this is that the decision they're making is one that humans are very bad at: prioritizing their future over their present. "Ok maybe I have headaches when I'm in my 50s but today I get paid way more than everyone I know." Knowing that humans have an unbelievable penchant for putting their present well-being over their future well-being, I think it behooves us (society) to protect these people from making these decision that will in many cases destroy their lives.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by khedoros1 on Friday February 02, 2018 @04:58PM (#16294536)
> I think it behooves us (society) to protect these people from making these decision that will in many cases destroy their lives.

OK. Where's the limit? That kind of protecting people from making their own decisions (including objectively bad ones) has always struck me as dystopian.

I think it's a good idea to educate people on the costs of their actions, and that we should find ways to impress on an emotional level how present actions will affect someone's future. I think it's a bad idea for society to make the decision for them, though.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by mindcrime on Friday February 02, 2018 @05:34PM (#16294753)
I think it's a bad idea for society to make the decision for them, though.

It's not just a bad idea, it's totally immoral and unacceptable. Denying a person their agency is denying the very essence of what makes them human. It's no different than slavery in principle. Either you have self-ownership or not, there is no middle ground.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by birksherty on Sunday February 04, 2018 @04:33AM (#16302060)
I disagree. e.g. Doping in sports. Should we allow everything? Then people will start using all kings of drugs for money and fame. This will encourage everyone in the future to use them. Also, athletes who want to participate without drugs, will have no choice. Things will go downhill fast. And it's not just about the individuals. Their whole family will have to suffer.

A single person without any family, can do everything he wants in their personal space. That will not harm anyone else. If they do that, earn a living and get famous, that will hurt their family and future generations too. That's why we need law and regulations.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by khedoros1 on Sunday February 04, 2018 @06:47PM (#16305624)
"My right to swing my fist ends where your nose begins". The idea of having laws to regulate behavior is so that one person, through exercise of their own agency, doesn't deny someone else the exercise of theirs.

Taking your example of sports: An organized league is something that an athlete joins by choice. The athlete agrees to abide by certain rules as a condition of participating in that league; they aren't being forced to give up their right to choice, they're choosing to.

The comment you responded to isn't arguing against laws and regulations, it's arguing against laws that take away agency for some reason besides protecting equal rights (e.g. someone's swinging fists aren't going to hit anyone else, but "we" don't like that, so we'll prohibit them from swinging their fists, because we feel it's for their own good).

Society shouldn't dictate what's good for the individual; the individual must.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by aje403 on Friday February 02, 2018 @04:19PM (#16294271)
That logic is garbage. We should ban cigarettes? Smoking marijuana should not be legalized (risk factor for lung cancer)? Why not alcohol too? Where else can we stretch that? Maybe we should perform evaluations on people to determine what career paths they should follow to protect their best interests! Society should behoove itself to mind its own business.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by xg15 on Friday February 02, 2018 @05:04PM (#16294566)
How does fixing work safety issues to banning alcohol? This looks like a slippery slope argument.

There are many options to take a sensible position somewhere between the extremes.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by aje403 on Friday February 02, 2018 @05:24PM (#16294693)
Where do you see the words “work safety “ anywhere in the comment I’m responding to?
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by foobarchu on Saturday February 03, 2018 @11:12AM (#16298137)
Nowhere, but the grandparent comment literally contains the phrase "workplace safety" and talks about OSHA. This entire comment chain is about people having agency to choose a highly dangerous profession in exchange for good compensation.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by aje403 on Sunday February 04, 2018 @02:26PM (#16304355)
Yes, exactly, and I think the grandparent OSHA argument has merit, however, the parent comment completely distorted it into a case for big brother - which I do not believe has any merit.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by Retra on Friday February 02, 2018 @07:29PM (#16295371)
This is the business of society. It is the only business of society. There's no point in having a government that doesn't look out for the welfare of its people.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by aje403 on Saturday February 03, 2018 @08:50AM (#16297607)
The business of society is ensuring that nobody else f$%^s with my business - not telling me what to do with it. The only gray area is when I'm doing something that affects others.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by Retra on Tuesday February 06, 2018 @01:42AM (#16314798)
So everyone else should be governed? But not you?

Look up the meaning of "govern." It almost literally means "telling people what to do." You're a person. The government will tell you what to do with your business. That's it's only job. It's the sole reason it exists.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by Viliam1234 on Sunday February 04, 2018 @01:25PM (#16304006)
> We should ban cigarettes?

Nope. We should put adequate warnings on the cigarettes, so the customers know what exactly they are buying.

We should do the same with professional sports -- tell everyone the risk according to our best knowledge, and then let them decide.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by oreo81 on Friday February 02, 2018 @04:59PM (#16294544)
>Society should behoove itself to mind its own business. This
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by ebullientocelot on Friday February 02, 2018 @04:42PM (#16294430)
Shall we automatically turn off televisions and restrict the pounds per person garbage food sold each month to protect people from themselves as well? Oh, I know, let's have a new tax-funded agency that is constantly going in and out of people's homes ensuring that only those couples financially capable of raising a child are having unprotected sex.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by ryandrake on Friday February 02, 2018 @04:51PM (#16294492)
Of course, any time you have a so-called negotiation between partied with severely different bargaining power, it will be a race to the bottom to the detriment of the powerless party. This is why we need regulations, OSHA, unions, consumer protection laws, product safety rules, etc.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by criddell on Saturday February 03, 2018 @01:25PM (#16298772)
Surely you wouldn't characterize NFL players as being on the bottom? For most of the recent kneeling-during-the-anthem controversy, people are ripping on the players because they are in such a privileged position. The characterization is that they are at the top of everything.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by bpicolo on Friday February 02, 2018 @01:53PM (#16293135)
> adults making decisions for themselves

That's the crux of the biggest issue. The NFL actively covered up/denied evidence that concussions were damaging for decades.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by w0m on Friday February 02, 2018 @03:39PM (#16294024)
This is one of the key points to me - NFL actively hid the fact from their own fans and players for years. That should have been a much bigger deal I think, criminal negligence.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by unclebucknasty on Friday February 02, 2018 @03:55PM (#16294140)
>should have been a much bigger deal

Yeah, and it's a pattern we've seen before (e.g. Big Tobacco).

I think it's a playbook. They string out the lies over a long period, then let the suspicion trickle out slowly. So, there are moments of muted outrage along the way, but by the time the full story comes out the pressure build-up has already been relieved. Beyond that, the finally-admitted truth is something we already knew for so long that our outrage has waned.

Basically, a PSYOP.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by gameswithgo on Friday February 02, 2018 @04:17PM (#16294258)
>Yeah, and it's a pattern we've seen before (e.g. Big Tobacco)

And fossil fuel

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by conductr on Friday February 02, 2018 @04:19PM (#16294265)
Big tobacco did the same but many people reasoned that inhaling burnt leaves multiple times a day was probably not a smart idea even if lacking full clinical research saying so.

It's bad that they hid it, no doubt. But couldn't people reason that taking thousands of blows to the head over a career was not a smart idea?

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by evan_ on Friday February 02, 2018 @04:28PM (#16294335)
it's not just that the tobacco companies covered up reports, they literally put out ads with actors dressed as doctors saying "smoking is good for you".

e.g.: http://tobacco.stanford.edu/tobacco_main/images.php?token2=f...

Even if you were able to "reason" that smoking was bad, there was a whole dedicated culture jamming operation to push the message "you're wrong and foolish if you think smoking is bad" and it worked very well.

Every NFL team had (has?) a bunch of doctors telling players that they can shrug off concussions and other serious injuries, and a deeply-engrained (and specifically engineered) culture to back up that message.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by x0x0 on Friday February 02, 2018 @04:39PM (#16294413)
Hell, when I was growing up (not that long ago!) the NFL used to produce and tout official videos of the biggest / hardest hits in a season.

Looking at them now, you can literally see the stiff arms sticking in the air that is a symptom of brain trauma, and people getting up concussed as fuck.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by conductr on Friday February 02, 2018 @06:05PM (#16294981)
It's all true and very bad, I agree. My greater point though is that, throughout all time, people live in a society where someone is trying to take advantage/lie/cheat/steal basically they don't care about what is best for you. People need to learn to think independently.

Hell, science still can't agree on if an egg is healthy or not. I eat them because I enjoy them and their are no obvious downsides. If there were some correlation that was known and proved unhealthy I might stop eating them. For example, while big tobacco was doing their thing... people knew their family members smoking were unhealthy, coughing like crazy, getting cancer/sick, so their was some clues in society telling you that you're probably being lied to. I have memories of this as a kid, "Joe died at 55 but, you know, he smoked 2 packs a day" was a valid way of thinking. So the health effects were widely known, just not in a measurable & undisputed scientific way.

The same thing goes for tobacco, NFL, climate change, ... all kinds of stuff. The anecdotal information around you says one thing, but the scientist can't agree and some of them are biased/being paid to say something regardless of truth. Years later the anecdotal information turns out to be true and people claim they were victims when really they could have just exercised some common sense.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by Retra on Friday February 02, 2018 @07:33PM (#16295384)
>People need to learn to think independently.

You can't really leave it at that though. Most learning that people do is not independently driven, it is learning that complements teaching... which is never independent. Very rarely do people come to intelligent conclusions independently.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by thaumasiotes on Friday February 02, 2018 @04:22PM (#16294288)
Frankly, as an observer (which I am) or as a potential employee of the NFL (which I am not), I would consider the question "does playing football cause massive brain damage?" a much bigger issue than "has the NFL tried to cover up evidence that playing football causes massive brain damage?"
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by Pxtl on Friday February 02, 2018 @04:30PM (#16294353)
Well, the difference is culpability. "Does football cause brain damage" is an important question for current and future players, but "did the NFL conceal this fact" can be interpreted as the NFL murdered its own players through criminal negligence. Players were not given the chance at informed consent. If I put poison in food and offer you millions to eat the food but don't tell you about the poison, what am I?
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by thaumasiotes on Friday February 02, 2018 @04:38PM (#16294407)
"Did the NFL stage a coverup" is only relevant to discussions of whether and how much to punish the NFL.

"Does football cause brain damage" is relevant to discussions of whether I should play football, whether my friends or family should play football, whether anyone should play football, whether it's ethical to watch football, whether it's more fun to watch football than golf, whether it's appropriate for educational institutions to promote or participate in football...

I'll also suggest that if it turned out that football promoted the better functioning of your brain, outrage at the NFL for covering up research suggesting the opposite would be pretty muted. If you believe that, you should also believe that what everyone sees as "the big issue" is the brain damage, not the coverup.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by khedoros1 on Friday February 02, 2018 @05:24PM (#16294695)
I've always thought of the brain damage as a given; concussions will cause damage, the brain's a little "iffy" on the healing front, and severe concussions are basically unavoidable in football. If you care about whether you get hurt: Don't play, don't let your kids play, and so on.

It was much more interesting to hear how much the NFL had covered up, and the degree to which they directly lied about the evidence of the effects of playing the game.

The cover-up is the scandalous part, so of course that's the part that people are going to focus on.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by criddell on Saturday February 03, 2018 @01:30PM (#16298796)
I think everybody always suspected there could be long term consequences from frequent concussions. I think the eye opening part is research that suggests that it's actually the smaller, non-concussive hits that are doing long term damage.

It's possible that you can't play football (or soccer) at a professional level without accepting that risk.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by criddell on Friday February 02, 2018 @01:56PM (#16293173)
Lots of damage has been done that's for sure. I was mostly thinking about the future.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by x0x0 on Friday February 02, 2018 @02:11PM (#16293332)
They're not actually well compensated.

http://www.businessinsider.com/charts-expose-how-badly-nfl-p...

They're not actually protected in any way, because NFL contracts aren't guaranteed. Imagine what you would do if your doctor worked for your boss, and when your doctor asked if you were injured, telling the truth would allow your boss to fire you on the spot with zero compensation. Every time the subject comes up there's lots of whining by the NFL, but somehow the NBA, NHL, and MLB survived with essentially guaranteed contracts.

NFL players also don't actually have options. Scholarships are a joke and most of them learn virtually nothing. They started down the path to the NFL well before they were adults capable of making decisions, and by the time they're eligible for an NFL career, they typically don't have the academics to do much else. (Obviously there are exceptions, but Richard Sherman is not your average NFL player.)

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by softawre on Friday February 02, 2018 @02:33PM (#16293500)
Are you making the argument that a $million+/year is not "well compensated"? You can play for 2-3 years and never work again if you're smart with your money.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by DoreenMichele on Friday February 02, 2018 @03:15PM (#16293842)
if you're smart with your money.

Achieving this goal usually requires you to avoid serious brain damage. Repeated concussions and wisely living off the wealth you acquired in a few short years while still very young by managing it extraordinarily well for decades to come are probably mutually exclusive.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by grasshopperpurp on Friday February 02, 2018 @03:54PM (#16294137)
Don't forget the medical bills after football, which your former team(s) will not cover. I haven't verified the stat, but one of the 30-for-30 shorts said that something like 75% of NFL players are broke within 5 years of retirement.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by jedberg on Friday February 02, 2018 @04:09PM (#16294209)
The pool at my aunt and uncle's house has a huge Raiders mural in it, because they guy who owned it before them was a player for the Raiders until he went broke and they got it in a foreclosure sale.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by zaphirplane on Friday February 02, 2018 @09:01PM (#16295714)
Many former actors, lotto winners are also broke afterwards. Maybe a lot of millionaires go broke after the cash dries up and they continue their millionaire life style. The relation to medical bills seems unproven
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by DoreenMichele on Friday February 02, 2018 @09:20PM (#16295767)
Yes. In fact, two thirds of lottery winners are bankrupt within 5 years.

Still, medical coverage in the US generally sucks and I would hate to be saddled with medical bills following being a career athlete and no longer having the big NFL salary. I can't imagine it's happy fun times.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by aje403 on Friday February 02, 2018 @04:21PM (#16294279)
Brain damage has very little do with why these guys go broke
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by DoreenMichele on Friday February 02, 2018 @04:34PM (#16294385)
Probably true. But I wasn't positing an explanation for why they go broke. I was only suggesting that brain damage is a de facto barrier to successfully making that money last a lifetime, which most of them fail to do. The argument that, hypothetically, this is enough money to live on for life is rather specious since few of them actually do so. Being an NFL player for a few short years is not a well known path to permanent financial security and ability to cavalierly choose to not bother to work ever again.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by smsm42 on Friday February 02, 2018 @04:58PM (#16294535)
> The argument that, hypothetically, this is enough money to live on for life is rather specious since few of them actually do so.

But this is not because they don't get enough money and more money would fix it (well, it it could be $trillions then maybe but it is never going to be that). It's because they don't have the right tools (widely understood) to manage their money properly, and their income structure is unlike income structure of many regular people (huge sums for very short period, then nothing - as opposed to much smaller sums over much longer period) and it requires very unobvious actions to make it work. If you have literally millions of dollars in your account, it's very hard not to buy some nice expensive things - even if you know you'd need those millions for decades to come, your brain doesn't really work this way. Some people manage it properly and create brands and side businesses for themselves or just live with reasonable expenses and are ok. Some spend too much and end up broke.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by DoreenMichele on Friday February 02, 2018 @04:59PM (#16294547)
I never suggested more money would fix it. Just that multiple concussions are likely a serious handicap for being able to accomplish something most people can't pull off to begin with.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by smsm42 on Friday February 02, 2018 @04:50PM (#16294484)
I don't think the damage there is as immediate as NFL players being basically legally incompetent and unable to take conscious decisions. It's probably more likely that they have no experience of managing a budget, saving for long term and planning their future - a trait shared by many people who never ever put a foot on a football field. And when you get $ton-of-money and have no experience in managing your finances, pretty soon you're broke. Look up the statistics of the gold rushes - a lot of people coming into sudden wealth got broke pretty soon, and didn't need any hitting on the head for that to happen. The percentage of people that got wealthy and were able to keep it long term is depressingly low.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by fpig on Friday February 02, 2018 @11:49PM (#16296251)
Every person I know who got wealthy is still wealthy except one (stocks). None of them blew any significant part of their money on consumption. I assume this holds in general, too, if you count all people who get rich, not just lottery winners, athletes, etc.

This "no experience managing a budget" stuff is hilarious, you don't need special knowledge not to blow millions. It is not hard. Let's call it what it is for most people - being trash, living extravagantly, and not thinking about the future. It's far more about character than about financial knowledge.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by smsm42 on Saturday February 03, 2018 @11:31PM (#16301352)
Statistics proves it is harder than you think.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by fpig on Sunday February 04, 2018 @06:31AM (#16302363)
That's a worthless post without sources. I don't believe statistics would prove that, I am guessing they would prove the opposite, that most wealthy people don't blow their money.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by rayiner on Friday February 02, 2018 @02:52PM (#16293684)
Most players make closer to the league minimum ($500k) for just 2-3 years. After taxes that’s about $500-750k. Even if you’re smart about your money, you’re saving maybe $350-500k. That’s not “never work again” money.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by Consultant32452 on Friday February 02, 2018 @03:22PM (#16293890)
$500k/yr for 3 years is "never work again" money for me. That's $1.5 Million. If you pull out what many financial advisors recommend, 4%, that's $60k/yr for the rest of your life. That's above the US median household income.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by kurthr on Friday February 02, 2018 @04:18PM (#16294259)
If you don't pay taxes on that $1.5M, your living expenses (in jail) could also be quite low... but you won't magically end up with all the money. With half the money gone to taxes living on $30k/yr (non-inflation adjusted) doesn't sound so fun.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by Consultant32452 on Friday February 02, 2018 @04:27PM (#16294328)
That's true, I hadn't considered taxes. I'd be very surprised to find out that NFL players are getting a W-2. Most likely they're all incorporated so they can claim all sorts of stuff as business expenses which would get their tax rate way below 50%. But you're right, it's probably more like $45-50k instead of $60k.

Still though, the median household income is in the $50ks. The 4% withdrawal rate means the base amount still grows with inflation, and so does your yearly withdrawal.

In other words, you can live a middle class life without ever working again. I would probably prefer to live a better lifestyle if that were an option. Sure, $1+ million isn't "fuck you" money, but it is "don't have to work ever again" money.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by rayiner on Friday February 02, 2018 @04:35PM (#16294391)
Players are employees of the teams they play for. It’s very hard even for high income employees to reduce their tax liability. Even Tim Cook pays about 50% taxes on his bonuses.

The median household income thing is also misleading. People earn much more with age. $30k is a good income for a 25-year old. It's in the bottom third for people above age 35. (It's even worse if you consider only college graduates, which NFL players almost all are.)

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by criddell on Saturday February 03, 2018 @01:26PM (#16298777)
> Players are employees of the teams they play for.

Are you sure about that? I was under the impression that they were all contractors.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by Consultant32452 on Friday February 02, 2018 @04:51PM (#16294493)
It's a little harder perhaps for Tim Cook to finagle his state of residency compared to a person that travels for a living. Most of these people are not paying NYC income tax. In fact, I'd be surprised if they couldn't establish residency in states without an income tax at all. This 'pro sports tax advice' site specifically and vaguely hints at controlling your state of residency. http://www.prosportstax.com/Images/Attachments/rn4b61f78e0a8...

Also worth noting the NFL has a 2:1 match up to $10k/yr. So every year you put $10k into your NFL 401k the NFL gives you $20k in tax free income.

A quick google search didn't give me a good indication of what the royalties are to low end pro athletes. I would not be surprised if the after tax on those is greater than the taxes on their traditional income.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by harryh on Saturday February 03, 2018 @09:13AM (#16297680)
It's worth noting that when athletes travel for games they have to pay state (and sometimes city) taxes for the cities they travel to which means their state of residency matters less than you might think.

https://en.wikipedia.org/wiki/Jock_tax

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by macintux on Friday February 02, 2018 @04:04PM (#16294185)
$60k/year won't get you very far in 20 years, and even today won't get you far at all if you have to pay medical expenses on the damage you received playing the game.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by Consultant32452 on Friday February 02, 2018 @04:19PM (#16294270)
The 4% rate is chosen specifically because it's low enough for your retirement savings to continue to grow with inflation.

I don't really see your point about $60k not getting you far at all since it's more than half the country makes. I understand you might have a more privileged view of what kind of lifestyle you expect to live, but you'd be doing better than half the country. You'll be fine.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by macintux on Friday February 02, 2018 @05:04PM (#16294567)
You're a NFL player. By definition you're among the, what, best 1% of players in college. You, of course, go in planning to have a short career, because you're young and invincible and the best.

So of course after 3 years of living like a monk you have $1.5 million stashed away...contrary to all rational expectations.

Well, less, because after income taxes and because as a young, invincible man among the best to play sports you spend money, maybe you have $300k left. If you're lucky.

But you're now unemployed, so you need healthcare. And the mortgage on your house is at least half that $60k/year because you're a young invincible sports hero.

You've been earning a half million dollars up to this point, so it's a safe bet it'll be very hard to scale your expenses down to $60k/year.

Anyway, I don't know where I'm going with this, except that your expectations of what an NFL player can/will do after being physically tortured for several years (high school, college, NFL) with hidden mental damage and having been a young, invincible man told you're the best of the best and surrounded by people eager to piggyback on your success...may be optimistic.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by Consultant32452 on Friday February 02, 2018 @05:17PM (#16294642)
Yeah, I certainly won't argue that there are huge cultural problems that will impede any person's ability to make sound personal finance decisions. And those cultural problems are magnified for someone like an NFL player. But I still think it's important to have rational discussions where were acknowledge that we could choose to live a different way. We could choose to think about money differently.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by roguecoder on Friday February 02, 2018 @03:23PM (#16293903)
The average lifetime earnings of a programmer are higher than professional athletes: http://www.businessinsider.com/better-to-be-a-software-engin... And my job doesn't expect me to sacrifice my mental and physical health, setting me up for a shortened lifetime of degenerative neurological disease in exchange for that cash.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by JamesBarney on Friday February 02, 2018 @03:43PM (#16294045)
They didn't discount future earnings. i.e. You wouldn't buy a T-Bond that will pay you 10,000 in 30 years for $10,000 today.

If you discount future earnings at 6% you get 1.8 millions for software engineering versus 2.67 million for NFL.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by x0x0 on Saturday February 03, 2018 @12:57AM (#16296410)
An safe investment with a 6% return is a fantasy.

30 year treasuries pay roughly 3% before inflation.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by JamesBarney on Saturday February 03, 2018 @03:13AM (#16296754)
A career is not as safe of an investment as a t-bond.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by jedberg on Friday February 02, 2018 @04:14PM (#16294241)
I'd much rather have 3 million in 4 years than 6 million in 40 years. I could grow the 3 million to well beyond 6 million after 40 years.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by JumpCrisscross on Friday February 02, 2018 @03:43PM (#16294047)
Average lifetime earnings are a terrible metric for entertainers, whose earnings are extremely exponentially distributed.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by avip on Friday February 02, 2018 @04:47PM (#16294458)
How so? Isn't sitting still for 9h/day way less healthy than playing professional sport?
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by gbear605 on Saturday February 03, 2018 @09:24AM (#16297721)
Many (most?) NFL players walk away with horrific brain damage and extreme physical injuries. Sitting still for 9h/day certainly isn't great for your health, but there are things you can do to counteract it - go to the gym, for example. NFL players can't avoid those injuries.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by watwut on Friday February 02, 2018 @03:33PM (#16293972)
Part of it is also reward for risk - you have to train very hard for years before you can get to NFL. There is opportunity cost (to learn something else for example) with very low chance of getting in.

Compare it to programmers who are pretty sure to get job once they finish school, have plenty of time for activities outside of programming and have much lower pressure on them either at the job (NFL equivalent) or while preparing for it.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by x0x0 on Friday February 02, 2018 @02:45PM (#16293626)
1 - many players are not making millions a year. eg in 2017, two rookie quarterbacks in the playoffs were making $450k, the league minimum. All those average salary facts include eg Tom Brady.

2 - even at $1m/year, you may collect $550k after tax. Three years of that is not never work again money.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by criddell on Saturday February 03, 2018 @01:28PM (#16298781)
The median salary is $700,000. The average career lasts 3 years. Therefore you could say a typical player makes around $2 million playing football. That's gross. The net is probably about half of that. To most of America that will make an order of magnitude less than that in the same time, that sounds pretty good.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by ska on Friday February 02, 2018 @03:27PM (#16293935)

   Three years of that is not never work again money.
It's worth noting that three years of that gets you a bit over median household income at safe extraction (i.e. 4%) rate.

It's not FU money, but as an emergency fall back it is obviously plausibly never work again money.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by twentythree on Friday February 02, 2018 @01:58PM (#16293208)
Richard Sherman, one of the top NFL players and also a Stanford grad, is very outspoken about this, and agrees with you: https://www.si.com/2013/10/23/richard-sherman-seahawks-concu.... His argument is that at this point, everyone playing the game knows the risks, and is taking that into account when making their decision to play.

To your second point, there's a recent push to ban tackling at levels below high school football (and play flag football instead). The current theory is that it's not the big hits that cause brain damage, but all the smaller "sub-concussive" hits that happen on every play. Eliminating those until high school would hopefully limit the long-term damage of football, especially for kids who only play through high school or college. I don't think banning tackling at either of those levels is feasible, though; college football is a huge business itself, and a change as dramatic as eliminating tackling there would completely change the sport.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by JoeDaDude on Friday February 02, 2018 @06:00PM (#16294947)
I am unable to locate a source, but I recall a quote by an NFL official that all it would take is for 10% of the parents to believe football is dangerous to kill the sport. Moving to flag football would confirm this notion, setting aside the idea that flag football will probably not have the spectator draw that the current football has.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by briffle on Friday February 02, 2018 @03:20PM (#16293880)
That protects the running and defensive backs.. but the linemen take pretty substantial hits on almost every play..
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by twentythree on Friday February 02, 2018 @03:32PM (#16293965)
In flag football, you generally don't have linemen in the traditional sense; there's no blocking allowed, and the quarterback is protected by a count instead of his blockers.

The American Flag Football League is one of the organizations trying to take over this space (they recently played a game in Levi's Stadium with Michael Vick and Terrell Owens, among others). Here are the full rules if you're interested! https://www.americanflag.football/official-rules/.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by oreo81 on Friday February 02, 2018 @05:12PM (#16294613)
It's a joke that will go nowhere though.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by scott_karana on Friday February 02, 2018 @05:27PM (#16294709)
Not with support like yours, no.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by nradov on Friday February 02, 2018 @08:25PM (#16295577)
One option would be to require the linemen to stand up and prohibit helmet strikes.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by cimi_ on Friday February 02, 2018 @01:53PM (#16293138)
> NFL players are at least well compensated and are adults making decisions for themselves.

One of the arguments in the article is that not even for NFL players, at the highest level, are the consequences made obvious. Here's the last paragraph:

> But when all those big hits happened and the fans cheered, did they cheer in spite of knowing a man just greatly increased his risk for dementia? Was anyone worried about an A.L.S. diagnosis or a C.T.E.-related suicide at 40 after their favorite player suffered repeated blows to the head on the field? No, they cheered and they celebrated because they didn’t know. And neither did we.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by jotm on Friday February 02, 2018 @03:03PM (#16293758)
Uhm, they would cheer even if they knew. Most people know boxers get brain damage, nobody gives a shit.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by acct1771 on Friday February 02, 2018 @03:13PM (#16293832)
Correct. Which is why my argument is, if we're going to keep having blood sports, let them use the drugs to improve their muscle mass to hopefully protect them slightly better from this stuff, improve recovery/rebuild time, and make the game more exciting, surely.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by rgbrenner on Friday February 02, 2018 @03:25PM (#16293919)
But that would also allow them to hit harder.. and there are no muscles around the brain to protect it from impacts or prevent it from moving. I don't see how that would make brain damage less likely.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by smt88 on Friday February 02, 2018 @03:53PM (#16294124)
Adding mass will increase the force. That's the opposite of what would protect the players.

A better solution would be weight limits and stricter controls on doping, not looser.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by banku_brougham on Friday February 02, 2018 @04:00PM (#16294163)
Boxing is not as popular as it was.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by dragonwriter on Friday February 02, 2018 @04:07PM (#16294194)
Yeah, but that has to do with MMA not brain injury.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by thaumasiotes on Friday February 02, 2018 @04:26PM (#16294311)
How long has boxing been fading? When did MMA begin?
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by pkaye on Friday February 02, 2018 @02:53PM (#16293690)
Well now they know and can make the decision, how many of them have stopped playing?
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by watwut on Friday February 02, 2018 @03:35PM (#16293985)
Less and less kids play football and parents dont support it nearly as much as before. It seems that people who did not sacrificed whole life to the game yet are leaving it.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by DoreenMichele on Friday February 02, 2018 @03:47PM (#16294074)
Without looking anything up, I would guess that most NFL players played football in high school and/or college first. If so, you are saying that these already brain damaged people are free to make these decisions because they are past a certain age, never mind that their ability to analyse it all was impaired before they reached the age of majority.

Your argument might hold water if most NFL players took up football after reaching adulthood. This seems highly unlikely to me.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by fhood on Friday February 02, 2018 @02:11PM (#16293335)
Define well compensated? The average NFL player makes less than any of the other three major american sports, is unlikely to have a wealth of other marketable skills, and may be permanently disabled after what is likely to be a short (average 3.3 yrs) career.
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by tinymollusk on Friday February 02, 2018 @02:39PM (#16293560)
In my opinion, the set of players should be inclusive of all football players. By limiting it to the most successful outliers in a power law distribution, we limit ourselves to the players with the best possible outcome. Players don't really get to choose whether they belong in this set; they choose to play highly competitive football.

In short, I think we should define the group by factors that result from choice, not outcome.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by paulcole on Friday February 02, 2018 @02:26PM (#16293437)
You're one of the few people who seem to actually understand this.

By comparison, a 4-year degree is probably worth more in the long-term than those NFL earnings. So the players are actually being better compensated in college than the NFL.

Edit:

The median salary for an NFL player is about $770K and most players are out of the league in under 3 years.

https://www.si.com/nfl/2016/03/01/nfl-careers-shortened-two-...

http://blog.futureadvisor.com/nfl-players-must-go-long-on-re...

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by saalweachter on Friday February 02, 2018 @03:00PM (#16293740)
It looks like the average 4-year degree is worth less than the average NFL earnings - the two figures I found Googling were $2.1M for lifetime earnings from a 4-year degree, and $4M for career earnings for an NFL player.

On the other hand, engineering degrees tended to hover around $4M for average lifetime earnings, and some engineering fields (petroleum engineer, SV software engineer) averaged ~$6.5M in lifetime earnings.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by icebraining on Friday February 02, 2018 @03:01PM (#16293749)
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by aws_ls on Saturday February 03, 2018 @10:10AM (#16297891)
+1 for soccer. My teenager plays it with his senior school friends, but I always discourage him. Tell him he can pick up any sport, in which he doesn't have to physically directly engage with other persons.

I played field hockey in school & college. And once was involved in a head on collision with a friend, who suffered a bloody nose/face and was taken to hospital. And I was shit scared, until I knew he was safe, very luckily for me.

I have come to hate all sports like boxing/wrestling/soccer etc. for this reason. There are plenty of athletics and sports where you display your individual skill at a distance from another person to choose from.

I think, these sports are simply not probability friendly. When many people play, somebody is bound to get seriously injured.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by xg15 on Friday February 02, 2018 @04:54PM (#16294514)
I'm not sure. The studies were specifically about long-term effects, so I'd not be sure if a brief stint in school or college sport or occasional matches were already that harmful.

If this is true, maybe an alternative to making the game more "safe" were to think about whether practically living for the sport for 20 years as part of a professional career makes sense.

Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by xkcd-sucks on Friday February 02, 2018 @06:21PM (#16295058)
If pre-NFL players are brain-damaged, are they even capable of understanding the risks such that they can give informed consent to play professionally?
Re:I’m the Wife of a Former N.F.L. Player. Football Destroye... by daxorid on Friday February 02, 2018 @02:05PM (#16293276)
The argument could be made that high school and college football compensates players with social and sexual capital. It is an extremely effective way to become popular.