Master Your Money.
Win Beyond the Game.
Financial Literacy on Winning
F.L.O.W. helps high school and college athletes learn how to manage NIL income, save, invest, and plan for life after sports.
Why F.L.O.W. Matters
The NIL landscape is changing the game.
The college NIL market now exceeds $1.6 billion annually, and over 1,000 student-athletes have already earned $100K or more from NIL deals.
Opendorse NIL at 3 Report (2024–25)
Most student-athletes never receive formal financial education, even though NIL income can trigger taxes, agent fees, and long-term obligations.
Financial Literacy Among College Athletes Study (2023)
Research shows 16% of former NFL players and 6% of NBA players eventually file for bankruptcy — proof that athletic earnings don’t guarantee financial security.
NBER & GFLEC Research on Athlete Bankruptcy Rates (2015 & 2021)
What Students Learn in F.L.O.W.
Five Core Learning Tracks
Budgeting & Income Management
Learn how to handle NIL payments, sponsorships, and brand deals responsibly.
Taxes, Agents & Contracts
Understand how to plan for taxes, negotiate fees, and read NIL agreements.
Protecting Your Earnings
Guard against financial predators and pressure from peers or family.
Saving & Investing Strategies
Build a future with smart saving habits and age-appropriate investment guidance.
Life After Sports Planning
Prepare for college graduation, career transitions, and long-term wealth.
Benefits for Schools, Coaches & Parents
Demonstrate leadership in athlete wellbeing and development
Reduce distractions from poor money management
Help families understand tax and financial planning for NIL income
Equip your athletes with lifelong financial confidence
Ready to bring F.L.O.W. to your school or program?
Join the growing network of athletic departments preparing the next generation of financially smart athletes.