[BostonCard]

That said, the real flaw in the calculation is not the idea that someone could not live on $~200,000 in the Bay Area per year.  The real flaw is the idea that Toby still has $6 million from his $11 million of salary.  An NFL player will have a number of expenses that would eat into that career earnings tally even if they are pretty frugal (Lawyers, trainers, advisors, nutritionists, etc.). 

Note Marshall Lynch managed to keep the entirety of his football earnings.

http://www.businessinsider.com/marshawn-...nts-2016-2

Of course, he lived off his endorsements, which were substantial.  As a mostly back-up running back, Toby's endorsement opportunities probably paled in comparison to Lynch's, but surely Toby was able to record some radio ads for the local auto dealer, sign his autograph for memorabilia stores, and speak at your odd corporate event.  A google search for "Toby Gerhart endorsements" shows that he certainly was bookable.

BC

[BostonCard]

That said, the real flaw in the calculation is not the idea that someone could not live on $~200,000 in the Bay Area per year.  The real flaw is the idea that Toby still has $6 million from his $11 million of salary.  An NFL player will have a number of expenses that would eat into that career earnings tally even if they are pretty frugal (Lawyers, trainers, advisors, nutritionists, etc.). 

Note Marshall Lynch managed to keep the entirety of his football earnings.

http://www.businessinsider.com/marshawn-...nts-2016-2

Of course, he lived off his endorsements, which were substantial.  As a mostly back-up running back, Toby's endorsement opportunities probably paled in comparison to Lynch's, but surely Toby was able to record some radio ads for the local auto dealer, sign his autograph for memorabilia stores, and speak at your odd corporate event.  A google search for "Toby Gerhart endorsements" shows that he certainly was bookable.

BC