It's also worth remembering that a pro athlete if he's lucky has a career that lasts 15 years, tops. Most play significantly less. Contrast that with the average person's working life, which usually lasts 40-50 years. So sure they make a lot per year but once they're done, they're done, since they tend not have much by way of marketable skills. Saving and investment is the smart thing to do, but it's also a difficult thing to tell a 21-year-old who suddenly has more money than he's ever seen in his life.