You made the roster.
The first 100 days decide the next 50 years.
A free, plain-English playbook for NFL rookies and their families — from your first contract and signing bonus to the jock tax and the second act. Built by a fee-based fiduciary, not a salesperson.
Built for the moment everything speeds up
More rookies lose ground in their first hundred days than in any season that follows — not because they’re reckless, but because the biggest money decisions arrive before anyone hands them a plan. The agent, the signing bonus, the cars, the houses, the family asks, the handshake deals — they all come early, while you’re still learning the playbook. This guide is the timeline nobody gave you: what to do, in what order, across your first 100 days.
Your first 100 days, in four phases
Build your team & your base
Before you spend a dollar
Protect what you’ve earned
Build the future
What your contract and signing bonus actually pay (and when) · why the headline number is not what you keep · the jock tax and quarterly estimated taxes · why so many players make Florida home · disability, loss-of-value, and umbrella coverage.
Your agent handles football — who handles everything else? How to build your money team (fiduciary advisor, CPA, attorney), handle family asks without wrecking relationships, take the NFL 401(k) match layup, and start the second act while your platform is brightest.
Why trust this playbook
It’s from Davies Wealth Management — a fee-based fiduciary, SEC-registered investment adviser in Stuart, Florida. Founder Thomas Davies, CFS, has 30+ years helping people make sense of money. This guide is education first: it’s genuinely useful even if we never speak. Written for players and the people in their corner — parents, spouses, mentors.
We can help you make the most of what you have!