I think you are absolutely correct. 100%.
I also think that most people are hypocrites who would lose their minds if the same dynamics prevented them from changing jobs. No free agency for you!!!
Maybe not if my employer would guarantee a good chunk of my enormous salary for the next several years even if I couldn't perform my job or I'm terrible at it. There are trade-offs.
But then again, maybe, if at any point in time through the performance of your job you are at risk never being able to walk normally again or losing your mind from CTE at the age of 40.
Like I said, trade-offs. I think most would gladly take the trade-offs NFL players make, don't you?
IDK, depends on so many things. Average career length is 3.3 years so you're still under your rookie contract. Let's say you are drafted somewhere mid range (so mid 3rd/4th). That puts you at about $5 mil-ish guaranteed, before taxes, so let's call it $3 million. Of course you aren't having a second job during your NFL career so subtract another three years of living expenses and let's call it $2.7 mil. That's a great head start on the rest of your life.
But what were the sacrifices that got you there?
You probably didn't get a great education because of the insane time demands of college football, which probably limits your post-football career opportunities.
You have also been subjecting your body to tremendous, repeated physical abuse since about age 16 which represents a high risk of medical complications in, virtually all of your joints plus your spine. We all live with pain eventually, but football players start a lot sooner. That likely attaches an increased medical spend to your future. In addition increased risks for liver, kidney & associated substance abuse issues. And people with chronic pain report less happiness in life.
That's not blowing smoke either, ask anyone with medical actuarial experience.
I'm speaking in risks and probabilities so there are plenty of examples of former players who don't experience these negative impacts. But going in you have no idea where you will land on that spectrum.
If I had the life experience of 50 year old me and knew I wouldn't suffer serious health consequences I could see opting for that life. I could do a lot with a $3mil payday.
But 21 year old me was an idiot, like most 21 year olds, so when my 3.3 year NFL career was up, I'd be shocked if I had anywhere near $2.7 mil left in the bank.
Not sure it's worth it.