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Think about it this way. It's no different than the way most Americans view retirement. How many folks in their 20s and 30s are worried about life at 65? Same goes for athletes. Retirement (albeit much younger) seems a long way away. Now, at the end, yes, it's on them. I'm not tearing up for...

Let me provide a different perspective here. Earlier in my career, I had an opportunity to be intimately familiar with a few athlete's finances. Unlike most of us, their earning potential only lasts a short period. Even for those who amassed fantastic wealth, once their playing days ended...