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奧運選手可能是最頂尖的運動選手,但他們仍是凡人?!澳g師”小埃爾文·約翰遜警告稱,如果計劃不當,他們就可能一落千丈。
這位前洛杉磯湖人隊的偉大球員曾五次奪得總冠軍,還是“夢之隊”(1992年美國男子籃球奧運會代表隊)的傳奇隊長。在接受英國廣播公司(BBC)記者凱蒂·凱(Katty Kay)采訪時,這位現已退休的商人給年輕的奧運選手們提供了一些建議,告訴他們如何為經濟上的成功和穩定做好準備。
約翰遜在6月底接受采訪時表示:“如果你正在賺錢,請尋找一位業務經理。他笑著告訴凱,許多年輕運動員忘記了他們新近賺到的錢所應繳納的稅款,”美國國稅局會打電話過來?!?/p>
在對年僅16歲的運動員講話時,約翰遜首先懇請他們玩得開心,活在當下。但他也鼓勵他們為未來做好規劃,或者至少尋找能幫助他們做到這一點的人。他補充說:“你要賺錢,所以要確保有掌握相關知識的人來幫助你理解相關情況?!?/p>
當約翰遜開始他著名的籃球生涯時,他也是這么做的?!拔覐男【筒欢X,我父母也不懂。所以當我進入美國職業籃球聯賽的時候,我必須找到懂錢的人。這就是我坐在這里的原因?!彼忉屨f,他選擇尋找一名業務經理,這一選擇與當時大多數其他運動員都不同。
這也不是關于雇傭你最青睞的人?!八麄児蛡蜻@些人不是因為其擁有的專業知識,而是因為他們是朋友,這樣做注定會失敗?!奔s翰遜在2009年接受《體育畫報》雜志采訪時談到那些依靠朋友或家人而不是經理提供財務建議的球員時說道。
從事一項運動會給身心帶來極大的傷害,而職業運動員在退役前往往只有很短的時間揚名立萬,并創造足夠的收入來維持未來的生活。財務狀況可能具有欺騙性,原因是有些運動員年紀輕輕就賺到了一大筆錢,卻發現自己在一個錯綜復雜的體系中揮霍了這筆錢。
從歷史上看,職業運動員一直在努力為退役做預算。美國國家經濟研究局(National Bureau of Economic Research)2015年發表的一份工作文件發現,15.7%的美國橄欖球職業聯盟球員在退役后的12年內申請了破產。根據全球金融素養卓越中心(Global Financial LIteracy Excellence Center)的初步調查,大約6%的美國職業籃球聯賽球員將在退役15年后破產。
無論如何,運動員都面臨著一場艱苦的戰斗,同時還要管理好他們可以賺大錢的這一相對較短的緊張時期?;@球巨星卡里姆·阿布杜爾-賈巴爾(Kareem Abdul-Jabbar)在2012年也談到了這個話題,他坦言80年代有一位經紀人沒有妥善管理他的資金。他解釋說,現在“頂級”球員的“薪酬水平是我們這一代球員夢寐以求的”,他指出,盡管進入了薪酬新時代,但運動員也會發現自己陷入類似的經濟困境。
他說:“有太多這樣的故事發生在運動員身上,他們在賽場上賺取了數十萬甚至數百萬美元,但在退役后的幾年內就變得一貧如洗?!彼a充說,退役運動員經常要與財務管理不善和橄欖球運動可能造成的腦損傷所帶來的壓力作斗爭。
在談及約翰遜的成功時,阿布杜爾-賈巴爾談到了運動員經濟實力的新模式,這種模式依賴于明智的投資,并主張對自己的名字和品牌擁有更大的所有權。在談到這位億萬富翁收購洛杉磯道奇隊時,他解釋說,約翰遜通過投資房地產和特許經營權建立了自己的帝國。
“魔術師之所以能夠達到這樣的財力水平,是因為他一直專注于這一特定目標。當他還在為湖人效力的時候,他達成了一筆交易,確定了俱樂部一定比例的所有權?!卑⒉级艩?賈巴爾解釋說,這筆交易隨著時間的推移實現增長。
事實上,約翰遜在退役后成為了一名企業家,他告訴英國廣播公司,他“一直都想成為一名商人”。他建議下一代運動員“享受自己,結識來自世界各地的人,不要操之過急?!?/p>
他提醒運動員要警惕職業倦怠,鼓勵他們傾聽經理之外的另一個關鍵聲音:他們的父母。他說:“父母的存在是有原因的,他們知道你想要實現的一切目標?!保ㄘ敻恢形木W)
譯者:中慧言-王芳
奧運選手可能是最頂尖的運動選手,但他們仍是凡人?!澳g師”小埃爾文·約翰遜警告稱,如果計劃不當,他們就可能一落千丈。
這位前洛杉磯湖人隊的偉大球員曾五次奪得總冠軍,還是“夢之隊”(1992年美國男子籃球奧運會代表隊)的傳奇隊長。在接受英國廣播公司(BBC)記者凱蒂·凱(Katty Kay)采訪時,這位現已退休的商人給年輕的奧運選手們提供了一些建議,告訴他們如何為經濟上的成功和穩定做好準備。
約翰遜在6月底接受采訪時表示:“如果你正在賺錢,請尋找一位業務經理。他笑著告訴凱,許多年輕運動員忘記了他們新近賺到的錢所應繳納的稅款,”美國國稅局會打電話過來?!?/p>
在對年僅16歲的運動員講話時,約翰遜首先懇請他們玩得開心,活在當下。但他也鼓勵他們為未來做好規劃,或者至少尋找能幫助他們做到這一點的人。他補充說:“你要賺錢,所以要確保有掌握相關知識的人來幫助你理解相關情況?!?/p>
當約翰遜開始他著名的籃球生涯時,他也是這么做的?!拔覐男【筒欢X,我父母也不懂。所以當我進入美國職業籃球聯賽的時候,我必須找到懂錢的人。這就是我坐在這里的原因?!彼忉屨f,他選擇尋找一名業務經理,這一選擇與當時大多數其他運動員都不同。
這也不是關于雇傭你最青睞的人?!八麄児蛡蜻@些人不是因為其擁有的專業知識,而是因為他們是朋友,這樣做注定會失敗?!奔s翰遜在2009年接受《體育畫報》雜志采訪時談到那些依靠朋友或家人而不是經理提供財務建議的球員時說道。
從事一項運動會給身心帶來極大的傷害,而職業運動員在退役前往往只有很短的時間揚名立萬,并創造足夠的收入來維持未來的生活。財務狀況可能具有欺騙性,原因是有些運動員年紀輕輕就賺到了一大筆錢,卻發現自己在一個錯綜復雜的體系中揮霍了這筆錢。
從歷史上看,職業運動員一直在努力為退役做預算。美國國家經濟研究局(National Bureau of Economic Research)2015年發表的一份工作文件發現,15.7%的美國橄欖球職業聯盟球員在退役后的12年內申請了破產。根據全球金融素養卓越中心(Global Financial LIteracy Excellence Center)的初步調查,大約6%的美國職業籃球聯賽球員將在退役15年后破產。
無論如何,運動員都面臨著一場艱苦的戰斗,同時還要管理好他們可以賺大錢的這一相對較短的緊張時期?;@球巨星卡里姆·阿布杜爾-賈巴爾(Kareem Abdul-Jabbar)在2012年也談到了這個話題,他坦言80年代有一位經紀人沒有妥善管理他的資金。他解釋說,現在“頂級”球員的“薪酬水平是我們這一代球員夢寐以求的”,他指出,盡管進入了薪酬新時代,但運動員也會發現自己陷入類似的經濟困境。
他說:“有太多這樣的故事發生在運動員身上,他們在賽場上賺取了數十萬甚至數百萬美元,但在退役后的幾年內就變得一貧如洗?!彼a充說,退役運動員經常要與財務管理不善和橄欖球運動可能造成的腦損傷所帶來的壓力作斗爭。
在談及約翰遜的成功時,阿布杜爾-賈巴爾談到了運動員經濟實力的新模式,這種模式依賴于明智的投資,并主張對自己的名字和品牌擁有更大的所有權。在談到這位億萬富翁收購洛杉磯道奇隊時,他解釋說,約翰遜通過投資房地產和特許經營權建立了自己的帝國。
“魔術師之所以能夠達到這樣的財力水平,是因為他一直專注于這一特定目標。當他還在為湖人效力的時候,他達成了一筆交易,確定了俱樂部一定比例的所有權?!卑⒉级艩?賈巴爾解釋說,這筆交易隨著時間的推移實現增長。
事實上,約翰遜在退役后成為了一名企業家,他告訴英國廣播公司,他“一直都想成為一名商人”。他建議下一代運動員“享受自己,結識來自世界各地的人,不要操之過急?!?/p>
他提醒運動員要警惕職業倦怠,鼓勵他們傾聽經理之外的另一個關鍵聲音:他們的父母。他說:“父母的存在是有原因的,他們知道你想要實現的一切目標?!保ㄘ敻恢形木W)
譯者:中慧言-王芳
Olympians might be at the top of their game, but they’re still mere mortals. And if they don’t plan right, they might fall from their great heights, Earvin “Magic” Johnson Jr. warns.
The former Los Angeles Lakers great has five championships and a legendary stint as co-captain of “The Dream Team” (the 1992 U.S. men’s Olympic basketball team) under his belt. Speaking to BBC’s Katty Kay, the now retired businessman gives young Olympians some advice about how to prepare themselves for financial success and stability.
“If you’re earning money, please get you a business manager,” Johnson said in an interview released in late June. He told Kay through laughter that many young athletes forget about the taxes due on their newfound money, and that “the IRS will be calling.”
Speaking to athletes as young as 16, Johnson first implored them to have fun and live in the moment. But he also encouraged them to plan for the future, or at least look for others who can help them do as much. “You’re going to make money so make sure somebody is there who has the knowledge to help you understand,” he added.
And Johnson did as much when he began his famed basketball career. “I didn’t know money when I grew up, my parents didn’t know money. So when I got to the NBA I had to find people who knew money. That’s why I’m sitting here,” he said, explaining that his choice to get a business manager was different from most other athletes at the time.
It’s not about hiring the people you like the most either. “They hire these people not because of expertise but because they’re friends. Well,they’ll fail,” Johnson said of players that rely on friends or family for financial advice instead of a manager in a 2009 Sports Illustrated interview.
Playing a sport can take an undue physical and mental toll, and pro-athletes often have a short window before they retire to make a name for themselves and generate enough income to live on for years to come. Finances can be deceptive, as some athletes come into a large sum of money at a young age and find themselves blowing through it while navigating a tricky system.
Historically, professional athletes have struggled to budget all the way towards retirement. A working paper published in 2015 from the National Bureau of Economic Research, found that 15.7% of NFL players have filed for bankruptcy within 12 years post retirement. About 6% of all NBA players will go bankrupt 15 years after retiring, according to a preliminary finding from the Global Financial LIteracy Excellence Center.
Either way, athletes face an uphill battle while managing a small crunch period where they can make a lot. Basketball great Kareem Abdul-Jabbar weighed in on the subject in 2012, opening up about an agent who mismanaged his money in the ‘80s. Explaining that the “upper echelon” of players now are “paid on a scale that players from my generation could only dream about,” he noted that athletes can find themselves in similar financial duress despite a new era of salaries.
“Too many of these stories deal with athletes who earned hundreds of thousands, if not millions, of dollars on the playing field but ended up destitute within a few years of their retirement,” he said. Former athletes often battle stress caused by financial mismanagement and the brain damage that football can cause, he adds.
Highlighting Johnson’s success, Abdul-Jabbar spoke of a new model of financial prowess for athletes that relies on making smart investments and advocating for greater ownership of their name and brand. Noting the now billionaire’s purchase of the L.A. Dodgers, he explained that Johnson built his empire by investing in properties and franchises.
“Magic was able to reach this level of financial power because he always kept his eyes on that specific goal. While he was still playing for the Lakers, he made a deal that nailed down a percentage of the club ownership,” Abdul-Jabbar noted, explaining that this deal grew over time.
Indeed, Johnson became an entrepreneur after he retired, telling BBC that he “always always wanted to become a businessman,” after he was done playing. He advised the next generation of athletes to “enjoy yourself, meet people from all over the world, and then don’t get ahead of yourself.”
Warning against burnout, he encouraged athletes to listen to another key voice aside from a manager: their parents. “Your parents are there for a reason; they know everything you’re trying to achieve,” he said.