🔥 Athletes: How Confident Are You In Your Financial Game Plan?

Why This Checklist Matters

Financial success in sports isn’t just about what you earn during your playing years—it’s about how well you manage, grow, and protect that income over time.

Whether you’re actively competing, preparing to transition, or building your second act, this checklist helps you take control of your financial future. It's designed for athletes at every stage to build strategies that support both today's lifestyle and tomorrow's legacy.

🏦 Income & Spending

✅ I know my monthly spending—both essentials and lifestyle
✅ I’ve created a flexible monthly and yearly budget
✅ I’ve identified all income streams (contracts, endorsements, business, real estate)
✅ I have a plan for irregular or seasonal income
✅ I’ve accounted for one-time or large expenses (relocation, training, taxes)

🏥 Healthcare & Insurance

✅ I understand my current and future healthcare options
✅ I’ve reviewed my disability and long-term care insurance needs
✅ I’ve budgeted for recovery, rehab, and wellness costs
✅ I’ve considered mental health and performance support
✅ I have a plan for medical expenses beyond team or league coverage

📈 Investments & Wealth Building

✅ I have a diversified investment strategy that fits my goals
✅ I understand the risks and rewards of different investment types
✅ I review and rebalance my portfolio regularly
✅ I’ve set up automated contributions to retirement or long-term accounts
✅ I avoid high-fee or speculative investments without a clear strategy

💼 Business & Income Longevity

✅ I’ve explored income streams beyond sports
✅ I’ve built or invested in ventures aligned with my values
✅ I have a trusted team for legal, tax, and financial guidance
✅ I’m clear on my post-athletic career vision
✅ I’ve created a plan for long-term income sustainability

🧱 Capital Endurance System

✅ I’ve mapped out my financial seasons: in-season, off-season, transition, and post-career
✅ I’ve created systems for regular cash flow even when income pauses
✅ I’ve ranked and organized my investment buckets (foundation, growth, experimental)
✅ I’ve identified my "financial identity" and aligned decisions accordingly
✅ I revisit and refine my financial strategy rhythmically—just like training cycles

📜 Estate & Legacy Planning

✅ I have a valid will and/or trust in place
✅ I’ve named and reviewed my beneficiaries
✅ I’ve assigned a power of attorney and healthcare proxy
✅ I’ve discussed long-term wishes with loved ones
✅ I’ve explored charitable giving, scholarships, or a personal foundation

🧠 Lifestyle & Identity Planning

✅ I’ve defined what success looks like beyond sports
✅ I have a plan to stay mentally and physically fulfilled
✅ I’ve addressed the identity shift that comes after retiring from competition
✅ I’ve explored passions or business interests outside of athletics
✅ I feel empowered and excited about life after the game

✅ Your Financial Confidence Score

Count your checkmarks:

• 26–30: You’re in a strong position—keep fine-tuning and stay proactive.

• 18–25: Good progress, but there are areas to strengthen.

• Under 18: Now’s the time to build a plan that protects your future.

Let’s Make It Happen

💼 Want help turning your earnings into long-term financial freedom? Schedule your complimentary Athlete Financial Strategy Session today. We’ll help you build a smart, sustainable game plan that works long after the final whistle.

© 2025 InFocus Wealth Strategies and MVP Money Moves are service brands of DeWitt Investment Research & Management, Inc., doing business as DeWitt Capital Management.

Disclaimer: The information provided on this site and its blogs is for educational and informational purposes only. It does not constitute financial, legal, or tax advice. Always consult with a qualified professional for guidance tailored to your individual circumstances. The examples, illustrations, and sample checklists are intended for general reference and are not meant to reflect any individual or family's specific needs or outcomes. They are provided to demonstrate concepts and do not guarantee future results. All investing involves risk, including possible loss of principal. Past performance is not indicative of future results.