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NIL

Nil, zip, nada, zero, nothing: Week 8 film room

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Did somebody say shutout? Northwestern held Purdue to zero points, the first time the ‘Cats have done so to a Big Ten opponent since 2017 and to Purdue specifically since 1956. While the Boilermakers aren’t the highest caliber of opponents in the Big Ten, they had been a potent offense throughout the season. Coming into their game against Northwestern, they had been held scoreless in just three of their 24 quarters played prior. Preston Stone didn’t have his best day, but the Wildcats still got the job done thanks to stellar defensive play. The game got sloppy on both sides as it progressed, especially in the fourth quarter, but the ‘Cats still pitched the shutout and dominated time of possession. Let’s dive in to the numbers from Week 8 for NU:

Stone’s stats were 11-of-26 for 132 yards and two touchdowns to go alongside one interception. This was the first game Stone has had both throwing a touchdown and an interception (every time he has thrown a touchdown pass, the Wildcats have won). His PFF offensive grade wasn’t great, coming in at a 57.1. He did have two PFF “big time throws” (a pass with excellent ball location and timing, generally thrown further down the field and/or into a tighter window) though; a good sign despite some struggles. Stone didn’t need to do much in this one though as the running backs and defense were excellent.

Before exiting with an upper-body injury, Caleb Komolafe carried the rock 12 times for 67 yards. Once again, “The Beast” has looked the part, and it will be a huge loss if he misses the game against Nebraska. Joseph Himon II led NU with 22 carries for 87 yards, plus one reception for six yards. As the lead back with Komolafe’s injury, Himon did everything he needed to and more as the ‘Cats ran out the clock. Lastly, Dashun Reeder had five carries for 51 yards with a fumble. Reeder has taken his opportunities and really shown that he can be a guy to lean on and to give Komolafe and Himon some rest. Not to mention, Robby Preckel got some run and didn’t look too bad either. Griffin Wilde led the team with four catches for 47 yards plus his fourth receiving touchdown of the season.

The offensive line mauled in pass blocking. Northwestern has a higher PFF pass blocking grade (77.3, 17th in FBS) this season than Indiana (77.2, 18th in FBS). Through the first three games, Stone was sacked a total of eight times. After the bye week, he’s only been sacked four times total in four games. In two of those (ULM and Purdue), he wasn’t sacked at all. Ezomo Oratokhai led the team with an 87.4 PFF pass blocking grade (t-25th in FBS this week). Oratokhai has taken a huge leap as the season has gone on as he was named to The Athletic’s College Football Midseason All-Freshman team. Caleb Tiernan followed close behind with an 85.7 PFF pass blocking grade while Evan Beerntsen posted an 82.0. The rest of the O-line graded well in pass pro as well, but the big takeaway from this game is the progress Oratokhai has made and that the coaching staff was right to keep playing him when others had doubts.

Purdue did gain 305 total yards on offense, but still failed to score. Credit to the Wildcats’ defense for forcing three turnovers, five punts and three fourth down stops. Anto Saka and Michael Kilbane were both forces to be reckoned with, as the former posted an 85.7 PFF defensive grade (30th in FBS of players with at least 19 defensive snaps played) while the latter posted an 84.0 (t-36th in FBS). Both Saka and Kilbane also had PFF pass rush grades over 80.0 as both were able to sack Malachi Singleton (Saka forced a fumble too). Robert Fitzgerald, despite being questionable coming into the game, posted an 86.1 PFF run defense grade (t-16th in FBS of players with at least 19 defensive snaps played). All-in-all, pitching a shutout it not easy work, so credit where credit is due. Speaking of due, without further a do, here’s the film from Week 8:

Northwestern controlled the tempo of the game throughout on both offense and defense. 37:39 for Northwestern. That’s almost 2/3 of the entire game!

Big plays can flip momentum in an instance or build onto what is already there.

This was a rocket of a throw from Stone. Even without the extra 15 yards tacked on from the horse collar tackle, a 35-yard gain on its own is impressive. Stone faked the handoff, the offensive line gave him all the time in the world and he perfectly fires this one in to find Hayden Eligon II on the medium crossing route. Eligon’s run after the catch is also impressive here, but the throw and the blocking are what stand out most as this play got the ‘Cats into Purdue territory just like that.

This is one of the two breakaway runs that Northwestern had against Purdue. Reeder has taken the opportunity presented to him and, no pun intended, run with it. This rush here starts thanks to the B-gap being opened up wide enough that a car could fit through it. Carson Grove delivered a good down field block as Reeder broke two tackles before taking it down the sideline for a gain of 28. The willingness of the Northwestern wide receivers to block their hearts out is always impressive.

This was the other big run of the day. This time, it was the C-gap that opened up thanks to the block from Hunter Welcing. Again, the offensive line has been more impressive than I would’ve expected when the season began back in August. Himon gets to the second level thanks to the blocks as he scampers down the far sideline for 37 yards before being brought down. All three backs on this team since Cam Porter went down with injury have been really impressive, but some of the credit needs to be placed on the offensive line’s play.

Wilde has been such a difference maker for Northwestern this season. There’s a real argument that he’s been one of the most impactful transfers in the Big Ten. Every week he makes plays and is a huge key to the Wildcats’ success this season. He’s a legit Big Ten receiver, and that’s saying something considering many of the nation’s best receivers reside in this conference. He’s up there with some of the best as he’s ninth in the Big Ten in receiving yards, ahead of players like Denzel Boston and Ja’Kobi Lane.

Wilde has caught a touchdown pass in each of the last four games. Prior to the bye week and the recent four-game stretch, he hadn’t found the end zone. His connection with Stone is only getting better and better by the week. When watching it, the stats don’t do it justice. On this play here, Wilde starts on the outside as he cuts inwards. Stone places the ball right into the chest of Wilde as he makes the falling grab with two defenders on him.

The pocket here is beautiful. Stone backs up almost 10 yards behind the line of scrimmage after the snap, but he steps up in the pocket to deliver a strike to the crossing Wilde. The throw was a tad high and Wilde did have to extend his arms a bit, but still good enough that he could catch it in stride as he cut across the field. He’s been targeted 24 times from lining up in the slot, catching 17 of those throws for 218 yards and a touchdown plus 13 of those going for first downs.

Normally, I don’t show defensive plays. Last week I did because it was what sealed the game. This week, Northwestern pitched a shutout and forced three turnovers while sacking Purdue twice. Here are those turnovers:

Northwestern forced all three of its turnovers in the fourth quarter. The first came in a huge spot as Braden Turner gave up a huge play to Corey Smith before making up for it as he punched the ball out. On the replay of it, you can see Turner get his hand on the ball and knock it out as Fitzgerald recovered the fumble. Not only was this a good recovery from Turner, but it also helped stop any possible momentum gain for the Boilermakers after what would have been about a 50-yard gain.

The second forced turnover was Mac Uihlein’s third interception of the season. Uihlein made a great play to get in front of the receiver and get the interception, but the main reason for the errant throw from Singleton was due to the combined pressure from Brendan Flakes and Richie Hagarty. They forced Singleton to get rid of it or try to make a play, but they were the ones who made the real play.

In his last three games played, Saka has gotten a sack. This one here gets credited to him (even though Kilbane was also in on the play) as he pushed Bakyne Coly into Singleton, forcing the ball out as it popped into the hands of Flakes. Kilbane would get a sack of his own later, but it was Saka here who aggressively won his rep to force the Wildcats’ third turnover of the day.

The Wildcats keep putting themselves in worse situations. Being held to three field goals and turning the ball over twice in the red zone accounts for five of the seven drives that made it into that territory of the field (the two turnovers were snapped from outside the red zone but happened within the 20-yard line). I know I’m being nitpicky here, but the schedule only gets tougher from here and no game remaining is a “gimme.”

Specifically looking at the turnovers, they happened at a time in the game where the ‘Cats did seem to have a grasp on it. However, turning the ball over in scoring territory, even when it’s field goal range, is something that hurts a team.

Firstly, there needs to be credit given to the defender. Hershey McLaurin popped Reeder and forced the ball loose with the big hit. The blocking on the play was good as Reeder was able to get into the second level, just unfortunately he got hit hard enough that the ball went flying. This turnover isn’t as bad as this next one, but still a point of emphasis will be on preventing turnovers.

Simply put, just not a good throw. Stone stared Wilde down the entire time and fired it right into the defender’s hands. While he has good at going through progressions, this is one he’d like back.

There are a lot of things to be pleased about. Northwestern dominated time of possession in this game, holding the ball for just under 38 minutes. The running game is still the backbone of this offense and Wilde is the majority of the passing game. The defense showed just how shutdown it can be against a Purdue offense that had scored at least 17 points in its first six games. As I mentioned earlier, the schedule only gets tougher as the weather gets colder. A bowl appearance is a real possibility, especially with the ‘Cats now sitting at 5-2. If NU can limit the turnovers and play a bit cleaner, this team truly can compete with some of the best. Coach David Braun has his guys playing Big Ten football to a T as it’s now time to take the show on the road to play against Nebraska.



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Tulane rides wave of economic impact into college football postseason

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KEY TAKEAWAYS:

  • Tulane’s playoff appearance is generating millions in donations, NIL funding and local business revenue
  • Athletic donations jumped 373% year over year, totaling $1.68 million in just over a month
  • NIL collectives raised more than $1.1 million following the conference championship
  • Uptown retailers report record merchandise sales tied to Green Wave success

After being the first Louisiana university (sorry, LSU fans) to qualify for the college football playoffs, Tulane University, its athletic program, NIL organizations, and surrounding Uptown New Orleans businesses are seeing a multi-million dollar economic impact. From surging athletic donations to increasing merchandise sales, the Green Wave’s success on the field is translating into a massive green influx off of it.

“Since last week, we’ve taken in about 1,000 orders on the website, sold over 2,000 hoodies and 1,000 shirts, and a lot of the playoff merchandise,” said David Cariello, owner of the Campus Connection, an off-campus Tulane merchandise retailer on Broadway Street. Cariello has worked there since college and has owned Campus Connection since 2008. “This is unlike anything I have ever seen. Halfway through December, we are already at where we would be in a really good month, and by the end of the month, we may be at three times our typical monthly revenue.”
Cariello added that Campus Connection still has Tulane playoff merchandise available for fans interested in purchasing swag before Saturday’s game.

The American Conference champion Tulane Green Wave will travel to Ole Miss on Saturday to play in the first round of the college football playoffs. The game is scheduled for 2:30 p.m., and the winner will take on Georgia on Jan. 1, 2026, at the Caesars Superdome in New Orleans.


Ole Miss athletic officials are projecting a $74 million economic impact in Oxford for the playoff game, but, at home, in New Orleans, the institution and surrounding business community also are witnessing a financial windfall that administrators and shop owners describe as “unprecedented and magical.”

Tulane University Director of Athletics David Harris announced that between Nov. 12 and Dec. 16, the department received $1.68 million in donations from 519 donors. The figures represent a staggering 373 percent increase in dollar amount and an 83 percent rise in the number of donors compared to the same period last year.

Sam Scelfo, owner of the iconic Gambino’s Bakery in Metairie, has donated to Tulane University since 1973 and recalls his first donation of $100. For 52 years, Scelfo has consistently donated to the university and the athletics program.

“It’s magical what Tulane football has done this season. This college football playoff run is not just good for the university; it’s beneficial to the city as a whole, and it kind of mirrors the energy of New Orleans when the Saints are successful,” said Scelfo, who will attend Saturday’s game. “Even my LSU friends have called this past week to congratulate me. This season will breed success across the entire university – national recognition of the athletics program and university, more investment dollars, donations, applications – it’s just a win, win, win across the board.”

The financial impact extends into the modern frontier of college sports: Name, Image, and Likeness (NIL). Michael Arata, co-founder of the Fear The Wave Collective, reports the collective has raised over $1.1 million in NIL donations since the conference championship game. Arata can recall the early days of the Fear the Wave Collective in 2021 when he and co-founder Jimmy Ordeneaux set a goal of raising $10,000 in one year.


Fear The Wave fundraises to enhance accessibility for selected Tulane student-athletes to NIL deals, empowering them to gain financial and business exposure while maintaining their commitment to academics and sports. ‍

“It’s such an unprecedented time for everyone involved in Tulane University and Tulane athletics. It’s been so busy but so much fun as well,” said Arata, who projects that Fear The Wave Collective will almost double its NIL fundraising amount in 2025 compared to 2024. “It would have taken us several months to raise the kind of money we just did in one week. We went from asking people to help maintain where we are to getting incoming calls of people wanting to do more to continue to support a program that has grown so much over recent years.”

Sumrall arrived at Tulane in 2024 and coached the team to a 9-5 record and an appearance in the Union Home Mortgage Gasparilla Bowl. This season, Tulane finished 11-2 and won the American Conference championship with a 34-21 win over North Texas in front of a sold-out Yulman Stadium.

Sumrall has announced that he will be the new head coach of the Florida Gators next season, but he has been allowed to coach Tulane through its playoff run. In the last week, Sumrall and his family announced a $100,000 contribution to the Green Wave Talent Fund, the university’s primary NIL fund and a Tulane athletics initiative to expand NIL opportunities for Tulane student-athletes across football, men’s and women’s basketball, and baseball.

“Jon’s donation shows the type of character he has, to help position Tulane for success after his departure. He is investing in the future of the program he helped build and in the lives of the kids he has changed,” Scelfo said. “His family’s donation definitely stimulated more donors to jump on board and also invest in the future of Tulane.”

For example, Arata said a Tulane family donated $500,000 to Fear The Wave Collective and then added $100,000 more after seeing Sumrall’s announcement. His donation also encouraged another donator to send a significant amount, and more donations have continued to come in since Tuesday’s news.

“We feel like we are just getting started, and this momentum over the last month can be self-sustaining and powerful going into the future,” Arata said. “We hope this sets the stage for building a program that is a permanent fixture on the national stage. Tulane was in the first Sugar Bowl, so why not play in the next one? Can you imagine the energy of the city and economic impact the Sugar Bowl will have if Tulane plays Georgia on New Year’s Day?”



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JMU Coach Bob Chesney Doesn’t Hold Back On Dan Lanning And Dante Moore

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The No. 5 Oregon Ducks (11-1, 8-1 Big Ten) and the Sun Belt Conference champions, No. 12 James Madison Dukes (12-1, 8-0 Sun Belt), are nearing their first-round matchup in the College Football Playoff in Eugene, Oregon, at Autzen Stadium.

Dukes coach Bob Chesney is going into unfamiliar territory, with their best win on the 2025 season coming against the Troy Trojans on Dec. 5 in the Sun Belt title game at home inside Bridgeforth Stadium in Harrisburg, Virginia, 31-14. Their lone loss at the Atlantic Coast Conference’s Louisville Cardinals near the start of the season on Sept. 5, 28-14.

James Madison Dukes head coach Bob Chesney argues a call with an official during the first half

Sep 5, 2025; Louisville, Kentucky, USA; James Madison Dukes head coach Bob Chesney argues a call with an official during the first half against the Louisville Cardinals at L&N Federal Credit Union Stadium. Mandatory Credit: Jamie Rhodes-Imagn Images | Jamie Rhodes-Imagn Images

Bob Chesney Doesn’t Hold Back On Dan Lanning And Dante Moore

Regarding redshirt sophomore quarterback Dante Moore, Chesney knows he’s the most dangerous player on the field for the Ducks, due to his ability to impact the offensive game in any facet under center. He touched on the leader when speaking to the media before the Saturday, Dec. 20, matchup.

“To me, it’s the willingness of the quarterback to throw into coverage. He understands tight windows and trusts his arm. He could be one of the top draft picks in this draft. There’s a lot in there. He has confidence and trust. He’s mobile. He does a really good job of getting the ball out,” Chesney stated.

When Chesney touched on matching up with Oregon coach Dan Lanning, the future UCLA Bruins head coach spoke on Lanning’s success in taking over a new program back in 2022 and making it his own, to what the college football world sees today.

Oregon head coach Dan Lanning walks the sideline as the Oregon Ducks take on the Washington Huskies

Oregon head coach Dan Lanning walks the sideline as the Oregon Ducks take on the Washington Huskies on Nov. 29, 2025, at Husky Stadium in Seattle, Washington. | Ben Lonergan/The Register-Guard / USA TODAY NETWORK via Imagn Images

“They’re extremely well coached. They are just really good at understanding protections and trying to break those protections. When they get to their one-on-one matchups or if they get on a running back, they do a really good job of keeping their pad level down.”

Chesney continued, “They do not quit as they are pursuing the quarterback. A lot of the big plays that have happened against them have been quarterbacks being able to evade some sort of rush and get their feet set and find something downfield.”

MORE: Oregon Ducks Face Escalating Flood Risk as Playoff Game Approaches

MORE: Bo Nix and Justin Herbert Push Toward NFL Playoffs as Former Ducks Thrive

MORE: JMU Quarterback Doesn’t Hold Back On Oregon, Flashy Uniforms, Autzen Stadium 

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Preparing for Autzen Stadium Atmosphere

In front of a sold-out crowd of 54,000+ in Eugene on Saturday, Chesney understands that the loud atmosphere will play a major factor for his units on both sides of the ball when trying to hear play-calling from the James Madison sideline.

That’s without the full Ducks’ student body present, being on Christmas break.

“We want to try and make it to where we can’t even hear each other on both sides of the ball, knowing that it will affect the offense and the special teams more than it will the defense, but that is definitely what we’re jumping into,” Chesney said. “We have all their songs, all the things they do, their band, everything we could gather is what we’re putting on display out there for our guys, so that’s something that they’ve heard before.”

 James Madison Dukes head coach Bob Chesney on the sidelines in the second quarter at Kenan Memorial Stadium.

Sep 21, 2024; Chapel Hill, North Carolina, USA; James Madison Dukes head coach Bob Chesney on the sidelines in the second quarter at Kenan Memorial Stadium. Mandatory Credit: Bob Donnan-Imagn Images | Bob Donnan-Imagn Images

Oregon vs. James Madison NIL Disparity

Chesney pointed out that James Madison’s Name, Image, and Likeness or NIL for the 2025 season was around $1 million. As for Oregon’s football program and NIL, it’s considered to be the top in the sport. This is due to the university’s long-time partnership with Nike and co-founder Phil Knight.

In fact, the Dukes and Ducks are so far from each other financially that Oregon’s defensive coordinator, Tosh Lupoi (earned $2 million in 2025), makes more than James Madison’s head coach and his 2025 roster combined. Chesney was owed a $833,495 salary for the 2025 season.



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College football program set to lose 15 players to NCAA transfer portal

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It was a fairly successful first season for Wake Forest under new head coach Jake Dickert.

The Demon Deacons finished the regular season 8-4 overall (4-4 ACC), qualifying for a bowl game for the first time since 2022.

After a shaky 2-2 start, the Demon Deacons won six of their last eight games, marking a major in-season turnaround. They notched quality wins over No. 14 Virginia and SMU, but fell to Duke in their final game of the season.

It was a remarkable turnaround for Dickert, who took over the program after back-to-back 4-8 seasons under Dave Clawson. Dickert accepted the position after four seasons at Washington State, where he compiled a 23-20 overall record.

The Demon Deacons have one final game left against Mississippi State in the Duke’s Mayo Bowl, but that hasn’t deterred multiple players from announcing their intentions to enter the transfer portal.

According to 247Sports, the Demon Deacons have had 15 players enter the transfer portal as of Dec. 18. Most recently, freshman quarterback Elijiah Oehlke announced he will be entering the portal when it opens on Jan. 2, joining a host of other former Demon Deacons.

Wake Forest head coach Jake Dickert

Wake Forest Demon Deacons head coach Jake Dickert | Craig Strobeck-Imagn Images

One of the most notable losses for the Demon Deacons was freshman wide receiver Chris Barnes, who announced his transfer decision on Dec. 14. Barnes led Wake Forest with 39 receptions for 547 receiving yards and three touchdowns. He was named an All-ACC honorable mention as a wide receiver, while earning third-team honors as a return specialist.

Only two days later, sophomore wide receiver Micah Mays also announced his intentions to enter the transfer portal. He finished the year with 18 catches for 302 receiving yards and two scores, averaging 16.8 yards per reception. Both Barnes and Mays were promising young offensive stars, making both major losses for the program.

Another key loss was defensive tackle Mateen Ibirogba, who transferred from Georgetown to Wake Forest before the 2023 season. He stepped into a bigger role this season, totaling 21 tackles, 3.5 tackles for loss, and two sacks for the Demon Deacons.

Along with the names above, tight end Harry Lodge, safety Jacob Cosby-Mosley, defensive lineman Ka’Shawn Thomas, wide receiver EJ Reid, offensive lineman Derrell Johnson II, and offensive tackle Nathan Pahanich are some other players who have announced their decision to enter the transfer portal.

It’s important to note that the NCAA transfer portal does not open until Jan. 2, 2026. All players can do right now is announce their plans to enter the portal; once it opens, they can officially enter their names and contact their preferred schools. The transfer period will close on Jan. 16 after 15 days.

Wake Forest will face Mississippi State in the Duke’s Mayo Bowl on Jan. 2, 2026, in Charlotte, North Carolina. Kickoff is scheduled for 7 p.m. CT on ESPN.



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Mitch Barnhart addresses retirement rumors, Kentucky’s deal with JMI in new interview

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Is Mitch Barnhart’s tenure as the University of Kentucky’s athletic director coming to an end next year? Barnhart addressed the retirement rumors in a new interview with the Herald-Leader, telling Jon Hale that he’s still “invigorated” by his work, but when the moment comes that he’s not, he’ll sit down with his family and discuss the future and what’s best for them and the university.

The questions are timely. In 2023, Barnhart signed a contract extension through the 2027-28 school year that would allow him to transition to a special assistant to the president role starting July 1, 2026. To do that, he must give six months’ notice, making the earliest deadline December 31, 2025, two weeks from today.

“Two things. I love competing. You know that. You know I love this place with all my heart. We came here in 2002 and planned on saying six to eight years and stayed a lot longer. I know there’s people that get frustrated because I’ve been here a long time, and that’s OK. I sense that. An old boss of mine told me one time, every time you make a 50-50 decision, you lose 50% of your friends. He’s probably not wrong, but we love Kentucky. I get up invigorated about what we’re doing at work. I love watching our kids compete. When that day comes — and don’t know — I’ll sit down with my family, and we’ll talk and determine what’s best for our family and for me, but most importantly, what’s best for Kentucky.

“I’ve got a couple, two-and-a-half years left on my contract. The ambassador clause is out there. It can go anytime after December 31, and if that’s something that’s best for this university, then we’ll have that conversation. If it’s something that we want to continue to work at it, I would like to win some more things. I like winning. The volleyball run has been a blast. I’d like to win at some more things and see what we got. And I love our coaches. We’ve got good people and fun to work with.”

The interview comes one week after Kentucky Sports Radio’s Jacob Polacheck and Jack Pilgrim published an article on Kentucky Basketball’s struggles on the recruiting trail, which cited anonymous sources that said UK’s partnership with JMI for NIL management has played a part, specifically the highly structured brand partnership with UK’s official partners. Sources told KSR that JMI was requiring recruits to sign away NIL rights that would normally be untouched at any other school.

Before Kentucky’s game vs. Indiana, Barnhart addressed the JMI concerns in an interview with Tom Leach, defending the partnership and insisting that UK student-athletes are free to sign third-party deals while acknowledging that the university encourages them to work with its official partners. He does the same in this interview with Jon Hale, although the issue of what prospective student-athletes (recruits) are asked to agree to as part of their deals to come to Kentucky is still unclear.

HL: When an athlete accepts revenue sharing money from UK, do they automatically get tied into the JMI deal, or do they opt into that separately?

Barnhart: “There’s some things that they’re opting into. OK, there’s some things they opt into, and obviously that’s a part of that process. And then there’s some things that we say, ‘Hey, does this fit you? Does this fit you? Do you want us to go out and find you (a deal)? Is there some things that make sense in a marketing piece, a partnership piece, so to speak, or a sponsorship piece?’ And if it doesn’t, you’ve got your own thing; you’re not prohibited from doing your own thing. We’ve shown that on many cases with student-athletes in our program. We’ve got student-athletes in our program that have got deals that are outside our partners, that they’ve gone and had an opportunity to go access and do those themselves. They just can’t use our IP marks in that process. Part of the ability to use the Kentucky marks, which we think is super valuable, is that relationship with JMI. So yes, that is part of that process. But to go do your own thing, you can certainly do that.”

When asked, Barnhart said he was not aware of any UK athletes being denied a deal because it was with a competitor. He talks a lot more about the JMI deal, collectives, transparency about revenue-sharing figures, and the roles of general managers in the NIL era in the interview. Check it out at the Herald-Leader. Matt Jones has reached out to Barnhart for an interview on KSR and has not received a response.

[Q&A: Kentucky AD Mitch Barnhart responds to criticism of JMI deal, NIL setup]



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College football players are earning millions – wealth managers are helping them keep it

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Name, image and likeness (NIL) rights were created to finally allow college athletes to profit from their talent. That’s led to formerly unpaid amateur players becoming instant millionaires, using their newfound wealth to save and invest, help out family, or even share the money with their teammates.

But handing that much money to teenagers is also risky. Grown professional athletes have blown through millions of dollars in the past, and while the stories of “going broke” are more infrequent today, there’s still a risk.

In steps NIL financial advisors, whose sole focus is making money earned from college stretch further than the one to five years an athlete is in school. They advise clients on the benefits of saving, investing, budgeting, taxes, and saying “no.”

In the past 10 years, there has been a massive shift in player compensation. Former and current players across different sports have successfully challenged and sued for greater equity in college sports revenue, including increases in stipends (2015), the right to profit from their NIL (2021), and the right to receive direct compensation from their university (2025).

According to Opendorse, a company that facilitates NIL endorsements for athletes, it’s estimated that college football players alone earned $1 billion from NIL payments in 2024. The company estimates that total will nearly double ($1.9 billion) by the end of 2025 after the introduction of revenue sharing on July 1.

Didier Occident is a wealth management advisor at Milwaukee-based financial services firm Northwestern Mutual. He also runs a financial literacy program, Secure the Bag. It is for college and professional athletes.

Secure the Bag is a 60-minute presentation in which Occident discusses budgeting, personal credit, taxes, and other money matters. It puts the audience through an interactive budgeting game that requires them to make financial decisions based on real-world examples from the four years of NIL’s existence.

For example, there’s an athlete Occident represented who made an expensive, beyond-his-means purchase that got him down to almost no money — $75 to be exact. To get the player’s money back, he posted the item on Instagram for sale.

“There’s always that ‘Keeping up with the Joneses’ feeling, but now these guys gotta keep up with IG,” he said.

Occident began working with college athletes around 2018 when conferences began increasing some player stipends by about $2,000. He stressed to athletes at the time to view the stipend as a salary so that they know how to manage any kind of money.

“If you can’t manage $1,000,” Occident would tell the players, “you can’t manage $1 million.”

He’s presented at TCU, Florida State, Michigan, Oregon, Alabama, Tennessee, Oregon State and a few other football programs. He’s also presented with eight NFL teams, including the Los Angeles Chargers and San Francisco 49ers. 

When Occident first talks with teams or meets with prospective clients, he asks them, “What do you want to achieve with your money?” The more specific the goal — to travel the world or one day open a food truck — the more faith Occident has in his ability to show them the steps to reaching it.

“Because they have something that is in their mind that is going to keep them walking that straight line,” Occident said.

There’s a widely held assumption that rich people will eventually lose all their money. Whenever the lottery gets to a certain amount, it’s been said that 70% of lottery winners eventually declare bankruptcy, even though that likely isn’t true. Much of the interest in the various gambling scandals plaguing the sports world stems from interest in rich athletes risking millions on sports betting.

But these are adults we’re talking about. What happens when a bunch of teenagers are handed millions of dollars? It’s easy to assume they’ll blow their riches just as quickly.

Pat Brown of Financial Literacy for Student Athletes
Pat Brown is the founder of “Financial Literacy for Student Athletes.”

Financial Literacy For Student Athletes

Where college athletes spend their money isn’t all that shocking.

“Unfortunately, stereoptical things: the cars, clothes, the jewelry,” said Pat Brown, a wealth manager at Lawrence, Kansas-based financial services firm Creative Planning and the founder of “Financial Literacy for Student Athletes,” which specializes in money management programming for college athletes.

Brown was an all-conference linebacker at Kansas from 1994 to 1999, back when players received $600 monthly stipends compared to the estimated $5 million Texas quarterback Arch Manning is bringing in today.

“That was big money right there. Shoot,” Brown recalled.

During his final season, Brown took a class that introduced college athletes to basic financial literacy tools, such as investing and life insurance. Though Brown grew up middle class in the Ohio suburbs, he didn’t know anything about money management.

“Being Black, we just don’t talk about that stuff,” said Brown, author of the book, Financial Literacy for the Culture: Teaching What Wasn’t Taught-Credit, Budgeting, Investing, and Legacy for the Culture.

It is why Brown sees it as his purpose to teach today’s athletes how to earn, maintain and increase their wealth. He launched “Financial Literacy for Student Athletes” around 2021 and has presented at Kansas, West Virginia and Ohio.

Brown goes over opening bank accounts, the importance of credit scores/reports, and the various types of investment devices (traditional, Roth IRA, stocks, etc.). Through Creative Planning, which counts more than 500 college and professional athletes as individual clients, Brown helps his clients set up taxable and retirement accounts, establish limited liability companies, and review NIL contracts.

“I wasn’t exposed to this stuff until my senior year [at Kansas],” Brown said.

While working toward wealth for all college football players is the goal, it’s especially important for Black players, who make up nearly 45% of the sport.

Black people live within a system that legally held them back until about 60 years ago, creating a wealth gap that persists to this day: Median white net worth in America is almost six times that of Black net worth.

According to popular media such as ESPN’s “Broke” documentary, Black athletes are almost expected to blow all their money: Former NFL receiver Odell Beckham Jr. recently asked, “Can you make that last?” in reference to signing a $100 million contract.

But, young rich Black athletes aren’t any more irresponsible with their money than anyone else: Americans owe $1.23 trillion in credit card debt.

There is no group, Occident said, that has more opportunity to narrow that wealth gap than Black athletes.

“It is my mission to help them do what they can to erase the systemic part of what we’ve dealt with for 400-plus years,” he said.

Occident and Brown believe athletes are uniquely suited to handle money. The discipline to stick to a financial plan is no different than the discipline needed to play at a high level in college. Starring at the NCAA Division I level is almost impossible without being accountable and consistent.

“You don’t get that without being consistent and doing what you need to do,” Occident said.

Baltimore Ravens defensive back Malaki Starks neither had much money growing up nor did he know how to save it.

“It was like get money, spend money,” he said.

But after Occident’s presentation to the Georgia football team while Starks was on the roster, it eased Starks’ mind about managing his $160,000 in NIL deals.

Starks said he now has at least four investment accounts he manages. After getting his first NIL check his sophomore year at Georgia, Starks said he saved some, gave some to his parents, and the rest …

“I kept enough to get gas for the next month and go out to eat, like, twice,” he said.

Martenzie Johnson is a senior writer for Andscape. His favorite cinematic moment is when Django said, “Y’all want to see somethin?”





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Three Phoenix Named All-Americans – Elon University Athletics

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Elon Football All-Americans



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Elon Athletics


Jeff Yurk Voted First Team All-American Twice




ELON – Elon redshirt senior punter Jeff Yurk highlighted three Phoenix who collected FCS All-American honors from four different organizations this week. 

 

Yurk was selected twice as a first-team All-American and four times overall. Sophomore defensive lineman Kahmari Brown was listed as a second team All-American by three different outlets, while sophomore kicker Luke Barnes was named an All-American Honorable Mention by the Associated Press.  

 

 

  • First Team All-American (FCS Football Central)  

  • First Team All-American (Stats Perform FCS)  

  • Second Team All-American (Associated Press)  

  • Second Team All-American (American Football Coaches Association)  

 

Yurk finished his fourth season with the Phoenix as Elon’s all-time leading punter. As a senior this fall, Yurk ranked second in the FCS and third in all of college football in punting average (48.3 yards). He tallied 17 punts inside the 20-yard line and 24 punts of greater than 50 or more yards. Yurk dominated his CAA competition during his senior season, averaging more than five yards per punt greater than any other punter in the league. He concludes his Phoenix career as Elon’s all-time leader in career punting average and has the top three seasons by punting average in program history.  

 

  • Second Team All-American (FCS Football Central)  

  • Second Team All-American (Stats Perform FCS)  

  • Second Team All-American (Associated Press)  

 

Brown became the first Elon player ever with double-digit sacks in a season (12.0) during his standout sophomore campaign this fall. Brown broke Elon’s single-season FCS sacks record and tied the program’s FCS career sacks record (16.5) in just two years. He led the CAA in sacks by 2.5 and was the only CAA player with double-digit sacks. Brown ranked top-15 nationally in forced fumbles, sacks, and tackles for loss. The Jacksonville native was twice named CAA Defensive Player of the Week in 2025.  

 

  • Honorable Mention All-American (Associated Press) 

 

Barnes was chosen as an Associated Press Honorable Mention All-American following his first full season as Elon’s starting kicker. The sophomore finished 15-for-18 on field goals and missed just one attempt inside 50 yards. He was a perfect 40-for-40 on PATs, the most in the CAA without a miss. His 85 points were the second most in the CAA among kickers and first on the team. On kickoff duty, he recorded 20 touchbacks on 49 kickoffs.  

 

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For further coverage of Elon Football, follow the Phoenix on X (@ElonFootball) and Instagram (@ElonFB). 

 

-ElonPhoenix.com- 

 





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