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Straight answers about NIL money.

No jargon, no sales pitch — just clear guides to the money questions every college athlete runs into. Start with the complete guide, or jump to whatever you need.

The Complete Guide to NIL Money (for athletes who've never had money before)

Everything in one place: taxes, fees, saving, investing, scams, and a year-one plan. The big-picture map that links to every detailed guide below.

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All guides

Do college athletes pay taxes on NIL money?

Yes — and here's exactly what you owe, plus the simple rule that keeps tax season from wrecking you.

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How much should I set aside for NIL taxes?

The quick percentage rule, why it works, and a real dollar example you can copy.

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How to invest your NIL money (beginner's guide)

The simple, boring approach that quietly beats most expensive money managers.

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What is an index fund? (explained for athletes)

The one investment that owns a piece of thousands of companies — cheaply.

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Roth IRA for college athletes, explained

The account that makes your investment growth tax-free — and why starting young wins.

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Do I need a financial advisor for NIL money?

Usually not. How to tell — and how to avoid the 1% fee that costs a fortune.

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How financial advisor fees really work

Why a "small" 1% fee is a monster — and what good advice should actually cost.

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NIL money scams and red flags to avoid

The warning signs of every money scam — learn them once, spot them for life.

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What to do with your first NIL check

The exact first moves, in order, before you spend a single dollar.

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NIL and quarterly estimated taxes

Why you pay taxes four times a year now — and how to stay ahead of it.

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Should an athlete form an LLC for NIL?

What an LLC actually does, and when it's worth it (and when it's not).

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High-yield savings accounts explained

The 5-minute move that pays you real interest for the same safety.

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How to read an NIL contract (red flags)

Exclusivity, length, rights, obligations — what to check before you sign.

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Budgeting on irregular NIL income

How to handle money that arrives in unpredictable lumps, not steady paychecks.

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"Friends and family want my NIL money"

How to help the people you love without sinking your own future.

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The biggest NIL money mistakes to avoid

The handful of errors that wreck athletes — and how to dodge every one.

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Get the free NIL Money Starter Checklist

The 7 moves to make before you spend a dollar of NIL money. One page, free.

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