ColoradoBills

The NFL has programs to help. The NFL offers various programs to help players manage their finances and invest for the future, including a 401(k) Savings Plan, the Player Capital Accumulation Plan (CAP), and a Financial Advisors Registration Program. Here's a breakdown of the key programs: 1. NFL 401(k) Savings Plan: Automatic Enrollment: Players are automatically enrolled in the 401(k) Savings Plan, with 10% of their pre-tax salary contributed to their account. Contribution Limits: The current contribution limit in 2024 is $23,000 of "pre-tax" money. Tax Deduction: Contributions are tax-deductible, offering a tax advantage for retirement savings. Distribution: Distributions are available beginning on a player's 45th birthday, but IRS penalties may apply for distributions taken prior to age 59 1/2. 2. NFL Player Capital Accumulation Plan (CAP): Team Contributions: The CAP is a retirement plan where clubs contribute money into players' accounts. Vesting: Players become vested in their CAP account after three credited seasons, or if employed as a player at age 55. Contribution Amounts: The amount of team contributions depends on the number of credited seasons earned. 1 Year = $0 CAP Contribution 2 Years = $2,500 CAP Contributions 3 Years = $2,500 CAP Contributions 4 or More = $40,000 CAP Contributions Withdrawals: Players can choose how and when to take their money out beginning as early as age 40, if at least 5 years have passed since their last credited season. 3. NFL Player Annuity Program: Tax-Qualified and Nonqualified Accounts: The Annuity Program is a hybrid plan with both tax-qualified and non-qualified accounts, each with unique tax advantages and features. Vesting: Players become vested in the Annuity Program after three credited seasons. Access to Funds: Players may be able to access a portion of their account balance as early as five years out of football. 4. NFL Players Association Financial Advisors Registration Program: Qualified Advisors: This program provides players with access to a list of financial advisors deemed qualified by the NFLPA. Protection from Fraud: The program aims to protect athletes from fraud and poor advice. Background Checks: Advisors must apply to the program and undergo a full background check. Partnerships: The NFLPA has partnerships with financial institutions like Goldman Sachs and Bessemer Trust. 5. NFL Financial Education Program: Investment Education Challenge: The NFL offers an Investment Education Challenge to teach players about basic investing principles for long-term financial stability. Credit Management: The NFL Financial Education Program, in partnership with credit bureaus, provides credit education to NFL teams. Financial Literacy: The NFLPA also provides financial literacy resources and tools to help players manage their finances.

I take it you will not be getting season tickets.

I've been saying this for months. Actually, the chances of Beane re-signing both McGovern and Edwards next year are close to zero. Edwards should be considered for a trade for pick or player swap (CB).

I'm talking about Palmer. Why are you bringing this up. If you want to compare Coleman (who was injured) he had more yards than Pearsall and Legette. Maybe McConkey should of went 4th overall instead of MHJ. Members of this board went ballistic about Beane not drafting more WRs after Coleman. Every WR (all 26 of them) had less than 476 yards receiving. Good thing Beane didn't waste picks on them.

Snaps and targets are exactly what I meant.

Really sucks for players with allergies.

Just to give you some peace of mind. 2022 2nd Round drafted players who have played very well, Breece Hall, Ken Walker III, George Pickens and Terry McBride. None of these guys have extensions yet and I am positive none of their agents are advising them to "sit out" games this season. I'm not saying James Cook will not sit out games, I just find it very unlikely.

It is one way to adjust his worth. I'm just not sure they can agree on the new $s. I'd be for it. If it doesn't happen then I think they move on from him next spring. No way they are paying him $12M in new cash with $17M cap hit.

Spotrac now has Bills with $3M in cap space. Looks like the numbers have settled down. They also corrected Josh's cap hit and added back the cap they took away for the LTBE incentives. https://www.spotrac.com/nfl/buffalo-bills/cap/_/year/2025/sort/cap_total_top51/dir/desc

How is this thread still a thing. I do wish you could "ignore" an entire thread. LOL.

When is he expected to be healthy enough to play?

If Samuel doesn't produce Beane can get out of his contract very easily next March. I don't see him asking for a pay cut. Now Knox on the other hand............no way Beane pays him $12M more cash next year with a $17M cap hit. If Knox wants to stay for 2 more years, he has to give up something this year. If he doesn't, He's as good as gone in 2026.

I resemble that remark.

I was just looking at the Gilliam deal. I think it might be like Hamlin's 4YQC (4-Year Qualifying Contract). They got the same numbers. I agree about the Dane Jackson contract. He gets some signing bonus and guarantee but it sure is lower than I thought it would be. I've noticed that sometimes both Spotrac and OTC do some corrections as they get the info in. We may still see some of that. The big difference I've seen between the 2 is Josh Allen cap hit. Spotrac is adding $1.5M on LTBE incentive which they don't specify and OTC doesn't.

Good post. Maybe they add a WR in the draft like Thornton. That would make me hopeful for a big speedy guy that can get Josh throwing long.

He can. Like i said he can get about $8M for restructuring Dawkins but after that it gets problematic. The next players to get cap from are: Knox - Doubt extremely Beane pushes more money into next year. DQ Jones - Last year. A Post June 1 cut does save $5.5M Samuel - Not sure you want to push back money on him. Epenesa - Same as above. McGovern - If he was re-signed also gets some cap relief. T. Johnson - He can get you about $3M. Players after those do not net you much cap at all.

Dane Jackson - $1,197,500 - $567,500 Dead Cap Laviska Shenault - $1,070,000 - $15k Dead Cap Kendrick Green - $1,060,000 - $0 Dead Cap Reggie Gilliam - $1,337,500 Cap Hit Ty Johnson - $1,475,000 - Cap Hit

Spotrac finally has all the contracts on the books. OTC still has 5 not on the books so their numbers are not valid yet. https://www.spotrac.com/nfl/buffalo-bills/cap/_/year/2025 Spotrac has the Bills -$497K. No doubt the Bills are under the cap, but just barely. There are no new restructures announced. Beane no doubt will restructure someone. Most likely it will be Dawkins. That cap savings would be enough to sign rookies, PS, a few lower end FAs and have a few bucks for the season. FWIW Go Bills.

I was at the Eagles game with my dad the following week. Leupold kicked the winning FG in the endzone we were sitting. It was a great day! One of the best I ever spent alone with my dad.

Another WR 1st round bust. LOL. Harbaugh is keeping him and evidently believes in him. He practically split the targets with McConkey. QJ had 91 targets. If Johnston was healthy all year Herbert would have chucked the ball to him 110 times. I will reverse your logic and say if they believe that much in QJ, how well do you trust their evaluation of Palmer?

That there is funny!

Palmer last year was behind McConkey and Johnston. Johnston is a 1st round pick and had half again as many targets than Palmer. Josh was relegated to WR3. Beane and the Bills evidently feel he can do a lot more with Allen and Brady's offense. I guess we will find out if they are right.

1. Teams would have to give Cook an extension or they would face the same issues of him "holding out". This gets back to the discussions Beane and his agent have had. If it's that bad, they need to announce he is up for a trade now so any deal can be worked out before draft day. 2. Cook is already on a PPE salary increase. Giving him more incentives on a rookie contract IMO sets a bad precedent for future players. Just my opinion. FWIW.

The thing is if Cook does this there is nothing Beane and the Bills can do to stop him. Their options are: 1. Let the scenario you mentioned play out. 2. Trade him at the end of August or beginning of September. 3. Cut him and save $5.3M in cap. 4. Cave in and sign him to $15M AAV. I don't think Cook is this stupid, but if he is, oh well. Trade him or cut your losses.