You're a NFL player. By definition you're among the, what, best 1% of players in college. You, of course, go in planning to have a short career, because you're young and invincible and the best.
So of course after 3 years of living like a monk you have $1.5 million stashed away...contrary to all rational expectations.
Well, less, because after income taxes and because as a young, invincible man among the best to play sports you spend money, maybe you have $300k left. If you're lucky.
But you're now unemployed, so you need healthcare. And the mortgage on your house is at least half that $60k/year because you're a young invincible sports hero.
You've been earning a half million dollars up to this point, so it's a safe bet it'll be very hard to scale your expenses down to $60k/year.
Anyway, I don't know where I'm going with this, except that your expectations of what an NFL player can/will do after being physically tortured for several years (high school, college, NFL) with hidden mental damage and having been a young, invincible man told you're the best of the best and surrounded by people eager to piggyback on your success...may be optimistic.