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RICH FOREVER: The Life You Deserve, Not Just the One You Earned
Athletes are earning millions before the league — but will they stay rich? A look into how NIL deals can be structured for legacy, not loss.
Jaron Baston
April 15, 2025
Somewhere, a 20-year-old just got his first six-figure NIL deal and booked a weekend in Vegas.
He booked a suite at the Cosmopolitan and an $8K table. The section is full of strangers and bottles he can’t remember the names of. He has a Patek and his highlights will live on IG story for 24 hours even though his bank account is down $20K before Monday hits.
Meanwhile, another 20-year-old just funded a life insurance policy with the same money. In five years, he’ll have $80K in cash value growing tax-free. He’ll borrow against it to fund a business. By 35, it’ll help him seed his family trust.
One weekend gave memories.
One weekend bought a future.
This is what RICH FOREVER is about: Showing athletes the game behind the game.
FROM HYPE TO HISTORY
The NCAA cleared the path for NIL deals in 2021. Within two years, it had minted teenage millionaires.
Athletes like Shedeur Sanders, Livvy Dunne, and Bronny James began closing endorsement deals previously reserved for pros.
Shedeur Sanders, son of Deion, locked in deals with Beats, Gatorade, and Mercedes-Benz, pushing his NIL valuation to $5M+ (On3.com)
Quinn Ewers skipped his senior year of high school, signed a $1.4M NIL deal with Ohio State, and later transferred to Texas
Cam Ward went from FCS to Power 5 and secured partnerships with Adidas, EA Sports, and Giorgio Armani
But with new money comes old traps. That insulation? Structure. And structure starts early.
HOW TO GO BROKE
Let’s be real. You know this guy:
$400K deal, zero plan
$150K car with no garage
Five dudes living rent-free off his brand
Lease payments, jewelry tabs, new outfits every weekend
By year two, the sponsors ghost him. Stats drop. The team changes.
He never structured anything. He was a king with no vault.
Now he’s looking back at half a million he touched but never kept.
THE MONEY YOU BLEW VS. THE MONEY YOU BUILT
What You Spent It On | What It Could’ve Built |
|---|---|
$20K Vegas Weekend | Funded $75K in policy-backed capital via PLI |
$8K Designer Belt Rotation | Covered legal fees for a Family Trust |
$100K G-Wagon Lease | Down payment on rental duplex ($1,800/mo passive income) |
$30K Cuban Link | High-yield index fund worth $60K in 10 years |
$10K Club Flights | Business-class travel to speak at wealth summits |
Structure > Splurge. Every time.
THE BAG VS. THE BLUEPRINT
The Performer
Got paid
Looked the part
Fed the crowd
And when the lights cut off, his lifestyle did too
The Architect
Got paid
Funded a PLI
Seeded a trust
And when the lights cut off, he was just getting started
WHAT $500K CAN BECOME
Say you earn $500,000 in NIL money across two years.
Option 1: Spend it.
Car: $120K
Clothes: $40K
Rent (no equity): $60K
Travel & turn-up: $50K
Family/friends: $80K
Business losses: $50K
Taxes & fees: $100K
Net worth at 25? $0
Option 2: Structure it.
$150K into a Whole Life policy → $90K borrowable by year 5
$100K in a trust-seeded brokerage earning 8% → ~$215K by year 10
$100K into rental property → $1,500/month passive income
$25K to a parent policy → generational protection
$50K tax cushion
Net worth at 25? Solid 7-figures in structured assets
FROM HIGHLIGHT TO HOLDINGS
You were taught how to perform.
You were taught how to win.
You were never taught how to own.
That ends now.
RICH FOREVER isn’t motivation. It’s multiplication.
This is how you take NIL and turn it into net worth.
Because the real flex isn’t just a bag — it’s a vault.
Want the full system? Tap into the Black King Operating System (B.K.O.S.) to learn how to move like a vault, not a victim.
👉 Subscribe Today: https://www.lawfund.co/subscribe
Next Issue:
The NIL Millionaires: What They're Sitting On, and How to Make It Last
Coming soon on www.lawfund.co
Move Quiet. Move First. Rich Forever.
— LAW Fund