Financial Literacy Starts With Emotional Strength.
F.L.O.W. Helps Student-Athletes Build Both.
Financial Literacy on Winning
A program designed to help young athletes understand money, navigate pressure, and prepare for life beyond the game.
Every athlete carries more than skill onto the court or field. They carry hopes, expectations, pressure, and life experiences that shape how they make decisions. Money only magnifies that reality. For many young athletes stepping into NIL opportunities, the sudden access to income can feel overwhelming without the right support system.
F.L.O.W. (Financial Literacy on Winning) was built to meet student-athletes where they are, both financially and emotionally. Our curriculum pairs practical money education with conversations around mindset, decision-making, and the emotional habits that influence financial behavior.
When young athletes understand why they make certain choices, not just how to budget or invest, they build the confidence to move through opportunities with clarity instead of pressure.
F.L.O.W. brings together financial experts and former professional athletes who openly share their own wins, losses, and lessons learned. The message is simple:
You can succeed on the field and in life when you understand your money and your mind.
Give your athletes the tools to build stability, resilience, and long-term success, long after the final whistle.
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.