Why don't other athletes think this same way? Broyles believes they do. In fact, he thinks 90 percent of athletes feel that way. Just many still lose their money,
"It's all psychological," Broyles said. "You have to understand that this is the NFL, which means Not For Long. You have to look past today. It's all about conquering yourself.
"You've got to pick up books. You've got to talk to people. You've got to educate yourself. You've got to want to do it."
Athletes can be their own worst enemies.
"100 percent," Broyles said.
Broyles is married, with a 2-year-old son. Having these responsibilities puts life in a different perspective. He is a real estate investor and also does broadcast work for Oklahoma.
Athletes don't take economic classes to learn how to invest because "it's taboo," he said. "It's taboo for people to talk about money. It's just not taught. It's not in the school system and depending on your demographic; you're not getting it at home."
Broyles said if he wasn't married with a kid, he probably wouldn't have a buffer financially.
He lives in Norman, Okla., and "doesn't need much." His house is paid off. He has a car payment
"Could we spend more? Of course," Broyles said. "It's just not worth it."
Broyles has had people come to him for financial advice over the years, including his teammates and players he has never met.
"Articles went crazy on the internet (about my savings)," Broyles said.
Broyles preaches finding a financial adviser with whom you can communicate well and not just an X's and O's guy.
"Some people buy into the glamour and high returns and some people buy into the relationship," Broyles said.
The professional leagues are increasing their education and assistance they are providing players, even if players aren't always taking advantage of it.
"There were major players, and the answers I would get from them are 'You don't understand where I came from. I have no idea how long I'm going to live,'" Carpenter said. "I'm going to spend all my money before it's gone."
Who the leagues choose to work with is important, Dias said.
"These leagues are as good as whom they team up with," he said.
Dias, who is writing a book, wants athletes to learn about the dirty secrets of the financial industry that they won't hear from their typical advisers.
"There's a lot of things that haven't been taught in the players seminars that I'd like to teach the players," Dias said. "So they know what to ask and how to better arm themselves with the particular knowledge."
Dudley was animated on Twitter recently, declaring that financial classes offered by many universities didn't do enough, that their classes didn't adequately help athletes understand how to manage their money.
"I think it's tough," Dudley said. "Guys are going one-and-done. It's a small knowledge. ... That's why the (NBA Players Association) comes in and tries to help. Every year, 'You've got to take these classes.' I think the more you'll see it the more those numbers will go down."
Most agree athletes need to take matters into their own hands.
"I just assumed that my agent and financial adviser would take care of me and have my best interest in mind," Terrell Owens told Forbes.com. "That's where I was wrong."
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