I’ve seen Tua play as much as anyone from High School on…IMO he's got to hang it up.
He was one of the most dynamic, talented QBs I’ve ever seen…until his Soph year when he hurt his knee. Hobbled thru some amazing games until he couldn’t. Then he came back strong…and broke his hip (nose and concussed). All avoidable. He’s just reckless and can’t sense defenders. He’ll undoubtedly get hurt again, and it’ll just keep escalating.
Tua has about 174 million reasons not to retire. He could, but he will be cleared of the concussion at some point allowing Miami to "get out from under" the contract. If he retires, most of that money is forfeit unless someone actually declares he can no longer play.
So, Tua will be in a Dolphin uniform until 2026, which is when Miami can release him and take a 50 Million dollar cap hit but get a 9 million dollar cap savings on the 2026 cap.
That means Miami is in the QB market this upcoming draft, regardless of what happens. Cheaper to bring in a rookie than a vet and if Tua can play, cool, you Jordan Love the rook. If not, then it's cousins and Penix.