[Goose]

QBs with first round grades are their own special animal. If you realistically can bet on being a first-rounder and talk yourself into confidently predicting a 10+ year NFL career, NIL money should mean almost nothing.

The present value of 1 million dollars immediately is never meaningless, even if you expect to make much more in three years time. While you may be convinced you will make it big, I think if you try to borrow against your future income the discount rate will be pretty appalling. This is especially true when the NIL money is essentially effort free. Why not maximize both?

[Goose]

QBs with first round grades are their own special animal. If you realistically can bet on being a first-rounder and talk yourself into confidently predicting a 10+ year NFL career, NIL money should mean almost nothing.

The present value of 1 million dollars immediately is never meaningless, even if you expect to make much more in three years time. While you may be convinced you will make it big, I think if you try to borrow against your future income the discount rate will be pretty appalling. This is especially true when the NIL money is essentially effort free. Why not maximize both?