Logan Ryan on Investing Journey, Mag 7 Bull Case, & AI’s Reach into Sports

[music] >> Welcome to Market Overtime. [music] I'm Diane King Hall. Two Super Bowl wins and an 11-year NFL run marked the career of Logan Ryan. Now, he's ramping up his next chapter, which started long before he left the league. Ryan joins us today to talk his financial journey. Why he's bullish on tech and private markets, plus how AI could change the future of professional sports. Logan, joining us here at the big board. Logan, it's good to see you. >> I know, it's good to see you. I didn't know we were matching today. I'm kind of I'm liking this I'm liking this color. >> I do, too. It's like we called each other. Sympathetic resonance is what they call that. >> Okay. Okay. >> Um let's start out with a conversation about the the pivot, right? Um you have talked before about making that transition and planning for after the league. >> Yeah. >> How soon do you start playing? Because I know, statistically speaking, the average career of an NFL player is just 3 years. >> Yeah. >> Yours was much longer than that. >> Yeah. >> So, talk to us about the planning phase. >> Well, I would say it's not random that the average career is 3 years. Literally, at 4 years, a lot of our lifetime benefits kick in. So, we become much more expensive to our employers after after 3 years. So, um it is hard to stick in the NFL after 3 years, obviously. And um I think a lot of the decisions, the discipline, way of which I prepared to play, how I was financially very disciplined, it allowed me to to have some freedom uh to choose when I wanted to walk away. Because, you know, you're not going to play the NFL forever. There's, you know, death, taxes, and your NFL career's going to come to an end. You know, Father Time's undefeated, but uh they can either tell you or you can you can walk away. And I felt like I wanted to be somebody to walk away uh where my skills were still respectable. I wasn't hanging on by a thread. Um there were some teams that definitely still asked me to return to play, but I knew I was in a good financial situation. I knew I um was wanted to be home with my family a little bit more, and I knew I wanted to get more involved in investing financially, um that it was time to walk away. So, I walked away 2 years ago um from playing in the NFL. Now, I'm actually an analyst for CBS, and I call the games. I still get to go to the games. My wife's like, "Hey, you're still traveling. I don't know what happened." Um but, I'm much better for my body mentally and physically. And I'm able to be at my kids' events all year, which is pretty fun to be at. So, I'm just living a life that my discipline early on in life gave me some freedom now. >> What gave you the foundation for that discipline? I imagine it wasn't just sports. I know sports gives discipline, but what gave you that? >> It's my parents. Uh both my mom and dad, Miriam and Lester Ryan, uh from Camden, New Jersey. So, I'm I'm not far from here. They didn't come from much. Uh my dad immigrated from country of Trinidad. My mom's first generation Puerto Rican. Um so, they were hard-working They're hard-working people, you know, and I grew up in uh born in Camden and kind of bounced around some towns and grew up in Berlin, New Jersey. Um and I remember when I was getting drafted, uh I had a successful college career at Rutgers, right down the street. >> Yeah. >> Um and I remember when I was getting drafted, I felt this pressure to like, "What am I going to buy my parents?" because they My mom drove me to every practice, worked a job or two jobs, drove me to every practice. My dad was a a cop in Camden, New Jersey, investigating homicides, and that was a kept him busy, obviously in a dangerous city there. So, uh I remember just feeling like I owed my parents a lot for for getting me to where I was. And I remember talking to my dad, like, "So, what do you guys What do you guys want?" And he's like, "We're staying in the same house. We're driving the same cars. I'm not quitting my job. Your mom's not quitting her job. We're going to keep doing We like We like what we do. And you don't have to worry about us, and you should you know, you should do the same." So, I remember hearing like, "Oh, my parents aren't going to change their lifestyle. I ain't going to change my lifestyle." So, I kind of took my signing bonus and my salary, I put it up. I rented an apartment, I rented a car. As an NFL player, we get a lot of stuff for free. I got free clothes, I got free this. So, I really just lived well below my means for many years and kind of didn't change who I am. I didn't change my lifestyle necessarily just cuz my tax bracket changed. And it allowed me to save and then eventually started investing enough to retire relatively early in life. >> Let me ask you this. A lot of times you mentioned the signing bonus. There's a windfall and so many players who are coming into the league, they're young, right? You know, what, 21, 22-year-old coming into the league. You've never seen this kind of money before. And I know there's been more financial literacy and planning that has occurred around the league and some other sports because of, you know, like you I think of 30 for 30 broke. And so, we've come a long way in terms of education, but you still hear some difficult stories. Because you don't know what to do with that money. How did you not just, you know, like spend it all? >> You know, I think it's obviously this is kind of why I'm here to kind of let you know there's other perspectives of athletes that had successful financial decisions, not all the stereotype, the clickbait story that I hear of athletes go broke and athletes buy their spend money on private jets and jewelry. And and some do. And I think if you give a lot of 21-year-old influencers or college athletes now or any 21-year-old a million-dollar signing bonus what I got at 21 years old, it's easy to say I'm going to buy my mom a house, I'm going to buy me a house, I'm going to make sure my dad has a car, make sure my brother's tuition's paid off. There's a million dollars right there cuz 500 after taxes. So, right? So, you can't buy two houses and two cars for $500,000. And that's it, by the way. That's your only bonus, right? Up front. So, to me, like I said, I put it up and it that came from my parents. Um and then I started to I hired a financial advisor my first year and I started to learn about something called compound interest and your money sitting and and growing and then investing your money to maybe grow it a little faster. And if you don't touch all this salary, we can work the money we can let the money work for you. >> Yeah. >> And I wasn't raised I wasn't taught that in my household. Um I was taught we don't talk about other people's money, you know? So, I was learning a lot about money which I didn't learn in college, I didn't learn in high school. And then the competitor in me came out. I said, "What if I can make enough money one day where I could just live off of the interest? What if I can live off of what my money makes me and not touch the salary?" And that became a goal of mine and I was hard earlier earlier on in my career when the checks weren't as big, but then I became a pretty predominant player in the NFL and started getting big large $10 million checks and then it's a lot easier to do um at that at that rate. So, I think it was just the competitive nature in me to try to >> So, competitive nature in you, so it comes from uh from on the field to off the field. It translates there. But, how do you cuz you mentioned for instance your parents saying, "Okay, we're fine. We don't need a house." But, so often there are people who come from the background where it is actually a need. But, you make a great point. Look, a house nowadays the average starting uh price is around 400 something thousand right now. So, as you mentioned it goes fast. How do you balance that, you know, there are there is family who may depend or have certain expectations? >> Yeah, that that's the hardest thing I think um especially as a minority in this country, you know, because I didn't come from generational wealth. I didn't come from Like I said, my my dad's an immigrated. Um so, we didn't we don't have a long history of knowing financially what to do when you come into money and then how to handle it. So, I had to learn I had to really learn and I think my parents not wanting to change their lifestyle set the standard that I don't have to. And it also set the standard that other family extended family wasn't going to come ask me for money cuz my own parents said, "Nah, he ain't going for that." So, I naturally had like natural bodyguards around me, but not every athlete has has that. And I've seen athletes struggle because you want to help the people that got you there. You just don't have enough to help everybody all the time. And if that well dries up, then then the family's well dries up. By me being disciplined early on, it created more financial family where I am able to help my family now in different ways. And when I retired after 11 years, I told my mom, "Mom, you're not you're done working. Like, I know you love to work. You're done. There's no way I can retire before you retire." So, I eventually retired my mom after 11, but she wanted to keep going. I'm like, "Mom, you got to chill. Like, got to relax." And she's been retired for a few years now. Been enjoying that. My father retired as well. The house is paid off, but they've been living in the same house for 25 years. >> Oh, is it that's a very Warren Buffett model like living in the same house. Um let me ask you this. Let's talk a little bit about your investing strategies and philosophy. You started out as I understand it kind of conservative, but you're exploring other avenues now. So, and you correct me with where things stand now. You've been at least recently as of a year ago 65% stocks and bonds and then the other private credit, private markets. Tell me what that looks like now. >> Yeah, you said it very very conservative. Just let protecting the wealth, letting it grow. Really learning about it before I threw too much money into certain areas. And a lot of stocks, a lot of bonds. And the bonds weren't great for me. I promise you that. Just like anybody else. It sounds safe. It wasn't always the greatest, but it was very conservative. Um and now, like you said, 45% into more venture capital. Um I'm looking into sports, private ownership, startups. The Mag 7, you know, tech. Always I love tech. I love AI. You know, I'm always on a trying to get on what's next and what's going to be around in the next decade. So, the Mag 7 has done well for me like everybody else, but I'm really into, you know, Open AI and Databricks and some of these AI companies. And it's allowed me because I acquired so much capital over the years, I'm not spending it and growing it to have some real say in the game. I'm able to get some favorable deals with some some startup companies and we all watch Shark Tank as athletes. I get to be be a part shark sometimes, which I never thought. But now with a good name and a good reputation as someone who makes good decisions on and off the field and with a certain amount of assets acquired throughout the years, now I have some power to to get some real say in some of these companies, which I'm honored and, you know, I I really want to thank my team, Crescent Capital, who I invest with. They do a great job. And my financial advisor, Doug Rates, is one of the best in the world in my opinion. He invests with a lot of major major athletes, so I'm not going to say their name, but stars, true stars that have tons of net worth. But he's allowed me to kind of go under his wing and learn from him. Not just invest for me, it's not just make me money, it's teach me why that's making me money. And that gives me more say and more input because I don't know more than him. When I was studying football and playing football 12 hours a day, he was doing this. So, I don't want to act like I know more, but I don't want to act like I don't know anything. So, I've challenged myself to up my financial literacy to have these conversations to make better decisions on what I want to do with my portfolio that's not exactly the same as how the other star athletes are investing. >> Let me ask you this. How do you decide? Because obviously yes, you have a financial advisor. Yes, you have a team, but ultimately you're the one who pulls the trigger and says, "Yes, I am interested in this." Or I want to sell this out of my portfolio. You know, how are you making those calls? >> Time, man. I wish I could multiply myself. I think the biggest thing is hopping on calls with some of these companies and hey, can I have a meeting with them? Can I secure a FaceTime? Because I've learned obviously you got to go where trends are and you got to go you have people do the research but I like investing in people. People that are intrinsically motivate motivated how I am. People that are not going to let the company fail. And I think products great. I see a product blindly I might invest in a product but if I see the person behind the product that might make me a little more eager to put a little more money behind them or hey, I hear you but I'm going to get a good vibe maybe not so much. Maybe I'll I'll wait and see a year or whatever that is. So I think sitting down and getting access to meeting with some of these um founders has really been a cool thing. >> Okay, so access with some of the founders. I want to ask you about Aura cuz because I know you were investor in Aura. Tell me about that investment. What attracted you to it? >> I think I think uh it's AI it's data we all have the most access to data than we've ever had and a wearable I think is the the way that we're all going. We're all trying to get more data it makes our job easier and if I can have something like I don't wear a lot. I'm not a big jewelry guy. I have a I have a nice watch on but I don't have a ton of jewelry. I don't have that. So if I can have something that's my ring but it's also giving me data that might be beneficial compared to a band or a different company has you wear this. And well what if I want to charge it I forget to put it on. I'll always have a ring on. So I felt like that was definitely something where I felt good about that and it's done well for me and for for a lot of people. I think it's just a it was a brilliant idea and I got in at the right time. >> Let's talk about the Mag 7. You said they've been good to you, right? The Mag 7 is not as magnificent as it used to be. There are still some standouts. Medicine great this recently. Yeah, I mean Muse everyone's like oh they're going to use it. Maybe not everyone's going to use it, but it's attracted a lot of interest and seen as a catalyst for, you know, the next leg of growth for instance for Meta. Do you still like the Meg 7 or there some members of that group that you favor more than others? >> Well, I would say to keep it relatively general here. I think the Mag 7's in a league of technology and innovation of their own in a sense where they have competition with each other. And when I think of some of the great players I played with, Tom Brady was winning all the time and still was pushing himself to get up and be better. Like when I I was 8 years old when Tom Brady was starting quarterback for the Patriots and then we were teammates together and he was doing it since I was 8 years old. Like, you know, so he had Peyton Manning and other great quarterbacks that were always pushing him. They just were at a different level of operation and I feel like that's how some of those founders are in the Mag 7. And they've always are Apple and Google and Microsoft and the they're always pushing each other. They have to. That's just the league that they're in. And yes, when there's different founders and things change in a company, there might be some lows, but in a whole in totality, I think it's always going to be driving the ship in that sense. Yeah, there might be low time recently and this might be down, that might be up, but I think as a whole, I'm not to overreact. I think they're always heading in the right direction in the future. >> Let's talk Open AI. You are an investor in Open AI, correct? >> Yes. >> Okay. They pushed out their IPO to next year. Not completely surprised to see that, you know, there's been a lot of conversation recently about the risks and safety around AI. Are we letting things run too far, too fast? With how much access to data we're giving or, you know, agents now being deployed on our behalf. How do you feel about Open AI now? Were you at all bothered by their pushing out their timeline or did it make sense to you? >> Um I'm very fortunate to be, you know, invested in Open AI when they're private. Um and I'm excited for them to go public. Obviously, I want it to be ASAP for me, but I think they got to be also make sure it's right. Um you don't want to rush a major move and it not be right. So, I trust uh that they're they're taking their time to to do it right. It's almost like a movie. It gets pushed back, it better be good, you know, they push back for a reason. So, I feel like um I love Open AI. I love the trend we're going in AI and maybe one day it has to pivot or maybe it's going too far, but it's showing you how powerful it can be and how helpful it can be um and how everyone's using it. I think 5 years ago not very few of not people were using it. Now, everyone has some form of assistant and AI and I think that's the the trend. Right where I wanted to be is these are what a resource that my parents wouldn't have used, but my kids couldn't aren't probably not going to have a life without it. And I think I'm right in the middle of those two generations, right? So, I think um being closer to what my kids may use and less of what my parents may use might be the right direction that I need to invest in. I think that Open AI and Databricks and AI in general is is more for what the future. >> When you first heard about it though, how did you like did you you know, were you even familiar with generative AI? Were you like, I mean, you know, what made it because it's easy to see now, but when it was first brought to you, you know, you're at the cap table and they're like >> Yeah. >> we would like an investment. How did you decide, okay, I'm in on this? >> You know, that that came from my great advisor and Doug Raets and he was so excited about it and I said, okay, explain to me why and he's always looking on on where it's heading and where things are going and he's like, this is big. And he was he was in on Uber. He's a Silicon Valley guy. So, he was in on stuff before uh before I knew anything about it, before I just was trying not to spend a dollar my rookie year. Uh he was he was in on companies that they have movies about now. So, I felt like this was something that he was uber excited about, no pun intended. Um and uh and I was like, "Okay, let me hear more about it. Teach me why though, you know?" And uh we were able to, like I said, get in the cap table and make a sizable um investment there. Well, now I'm like, "Hey, like this is why I pay you the big bucks, you know? Because you bring some of these things in some of these you're right." >> So, you've talked about your advisor um a a few times, like two or three times so far. >> Yeah. >> Let me ask you this. How does one pick a good advisor? Because that's part of a key to success, especially when you think about there will be young athletes who listen to this and they're like, "How do I decide who's best for me?" Especially when you you talk about the headlines you see about athletes, forget about that. You see headlines about financial advisors who have not done right by their clients. >> I'm so glad that you um you mentioned that, you know, because there are so many negative headlines about athletes and money and there's even worse about financial advisors and athletes. And a lot of athletes no longer uh hear that. They don't even want to trust and they'll have family or someone close to them they trust to do it, but that person might not have the expertise needed. And it really comes down to greed. We're all touching a lot of money and your financial advisor has access to a lot of things. And if you don't have trust or they they don't trust you, um I've seen stories of them being taken advantage of. I know athletes that have been taken advantage. I had a previous financial advisor that I believe is in prison now for taking advantage of athletes that I moved on from. Unfortunately, he didn't take any of my money, but I had a have a whole forensic investigation done uh to make sure of that, but he was taking advantage of other athletes' money and funneling investments and certain things that had kickbacks and um and it comes down to greed. When you're talking about money, you talk about greed. And um you know, greedy individuals are going to do things that they think they're they're big they're uh better than. And I I would say my financial advisor, the difference between my first and my second was greed and he was very like selective on who he wanted to work with, not I'll work with any athlete that takes me. I'm like, "Oh, you're selective?" Like you know, I I I like that and why are you selective? He's like, "Well, come on, I don't want to give my time to everybody. I only have so much time. I don't want to represent 400 athletes, 300 athletes." Even though that might make him more money, that's not what he wanted to do. So, that was a big thing I think I was I was getting a sense of that and I the second thing when I fired my financial advisor >> Your original one. >> financial advisor. Uh at the same time I felt like my agent wasn't doing their job. It was around COVID, it was around 2020. I had this whole um just ring of stuff around me and I I changed my entire team. Um I felt like they they >> a come to Jesus. >> They got comfortable. I felt like people around me got comfortable. They know that I was going to show up and do the job and they didn't have to do much. And just because I'm prepared doesn't mean you don't have to I think you have to work even more. Um so I built a new team around me and I asked um hiring my publicist who's with me today, I asked her who were the five best agents in football. Let me know, set me up a meeting. I met with the five most powerful, most biggest contract signed, longest tenure, best Give me the five best. I met with all of them and every agent that I met with I had my wife and my kid my wife and parents on the call, my publicist on the call with them and I said, "Hey, what's some advice you would give yourself if you were my age, 28 years old? What's the best advice you can give yourself?" And I took advice from everybody. Then, once I hired an agent, "Hey, you've been in the league for 20 years, in the NFL for 30 years, who are the best financial advisors you know? Give me the top five." Interviewed the top five. That's where I hired Doug Raetzsch from from that interview. "Hey Doug, hey so-and-so, give me your best advice." And I got to get great advice from really all successful individuals at a young at the age of 28. Um and I I was able to rebuild my team around me with the best team I could build and with great advice from others, and started to shape and take more ownership of my team. Um, and that's when I really started to dive into my financial literacy and treating these people as peers, of learning from them, as well as them working for me. >> I've heard Doug's name before, so not surprising here. Yeah. Um, let's I want to pivot and talk sports ownership. Um, you've talked before, you've said before, and I don't know if this is an exact quote, but every athlete wants to be an owner. >> Yeah. >> Um, tell me a little bit about that, how you see that as a part of your portfolio in the future. >> Yeah, I'm super This is what I'm most interested in is getting ownership in in sports. Um, every athlete wants to be an owner because we we lived it, we play it, we study it, we know the game well. Um, but we're not always privy to the business of the game, and obviously the owners are worth billions, and there's no billion-dollar NFL players. So, they're worth much more than what we're worth as a player. So, obviously, having more stake in the game would be awesome. I think I provide great insight um, of being a two-time Super Bowl champion, um, playing the game, helping others in the game, studying the business of the game. I think I add insight uh, to an ownership group. Um, that might be someone who's never really played sports or invested in sports and kind of has money, has enough money to acquire, but I think I bring some value there, and I will say, uh, as eager as I am to get NFL ownership or any league's ownership, I've been patient. I've I've fallen in love with the sport of soccer. I have an 8-year-old son. We've talked about our kids, and I'm at these soccer games every week, and I'm arguing with refs, and I'm in >> Don't argue with the refs. You don't want to get a card. You don't want to get a card, cuz they'll give a parent a card. >> fine me, though. I used to get fined from the NFL for that. So, I'm in it, man. I'm breathing, eating, sleeping with my kids do, and that's the biggest thing. Why does your son play soccer and not football? He loves soccer. Can't take him away from it. He loves it. He plays flag, I coach him. He likes soccer more, man. He's great at both. He's a good athlete, but he loves soccer. Um so, I'm I'm in it. We watch it. And I wanted some soccer ownership, and I was looking all over internationally, and I walked away from a deal uh to lose FC last year, and >> Why did you walk away from the deal? >> Um the market the the the deal wasn't right. The numbers weren't right. The marketing uh kind of media rights over there in France came projected lower. And as much as like I want to be cool, but I want to have a It's like own a restaurant. I want to own the restaurant. It's like is that the best investment? And it it obviously sports teams are great investments, but that deal wasn't the right deal. And I will say I am very close to to getting ownership in a different club in a different country um that hopefully next time when I'm back I could talk about. I don't want to jinx it now, but there's there's definitely some a soccer team that I'm eyeing that we're in great talks in, and um it's going to be at a beautiful destination. I will say that. >> We won't jinx it, but do you speak the language of where >> No, I don't I don't speak the language. I speak sport, but I don't speak this language. So, I'll have to learn that and some other things, but being getting some NFL ownership was my ultimate goal as well. >> Speaking of sport and soccer in particular, I'm sure you've seen the headlines this week. It It's popped up before, but Harry Kane potentially playing uh in the NFL. What do you think about that? >> you're crazy. No shot. But then he said kicker. >> Yeah. >> "Okay, he can do that." A lot of our kickers in the NFL are former soccer players, at least collegiately. Um and it's very similar to my son's free kick. It's nine steps back. Now, you got to do it under pressure, which I think Harry Kane's dealt with some pressure. Um the timing and the mechanics, but he definitely has the leg strength. These soccer players have huge legs, and a lot of them are soccer player. I think Harry Kane's the greatest soccer player turn kicker ever. So, I I don't I don't doubt that Harry Kane could do it. And if he comes over to the US to play in MLS, have him kick in a game, I think it would pretty cool. >> We talked earlier in our conversation about AI and and tech, but I want to hear about its relationship to the NFL. Um, I'm hearing some buzz about new technology this season. Tell us about how that's playing out. >> Yeah, I you know, I'm an analyst now for CBS. So, I'm I'm actually in town. I'll be calling the Giants game um this weekend for CBS. Giants-Titans, two of my former teams. So, I'm excited to break it down. But, there are so many data and analytics that are into the prep. There's so many data analytics now. There's a chip in the football. Um, I can see the ball speed. I can see There's chips in the player shoulder pads that can show you how fast someone runs on every play. And we have something called Next Gen Stats that the NFL partners with. And there is so much information um to to us as the viewer, as the fan, as the analyst on every single play. And it's my job to figure out what the fan wants to know. And I don't want to overdo it cuz our fan is not used to so much information. But, uh when you practice, you wear a wearable that shows you how many steps you took, your top speed. Um, and all these other things. You're coming back from an injury. Are you hitting your top speeds? Is it safe? Hey, Logan, you ran Uh when I used to play, I used to run the most on the defense. So, they would say, "Hey, you ran 6 miles this game. Everyone else only ran five. We're going to give you off on Wednesday." I said, "No, I don't want off." That's just me being old school. No, I don't want off. But, they can make uh practice decisions based on how much you run during the game to keep you healthier. So, it is helping sports medicine. It is helping performance. There's performance coaches now on every team that uses the data and analytics to make sure the athletes are best prepared to run their fastest, play their best, think their best uh on Sundays. >> I'm glad you mentioned cuz that piece of it because I wanted I almost wanted to ask, is it too much information? You know, but let me ask you you mentioned injuries. I got to ask you you're calling the Giants-Titans game. You know, Jackson got hurt. That looked really bad. Um and obviously it is really bad. So, you know, what are your thoughts about, you know, managing an injury and the shift Jameis is going to be in again? >> Well, there's two different types of injuries I feel like in the NFL and um there's muscle muscular ones we call that soft tissue, pulled hammies, and um certain things like that that come up and that's on the player. That's from lack of hydration, that's from not enough preparation, that's from, you know, when you're running in gym class you get a little cramp in your stomach. That you didn't run enough. You know, that's kind of those type of injuries come based on your diet and your lifestyle. Then there's Jackson Dart's injury. That's freakish. He's a quarterback, he's in the pocket, his knee gets hit, he gets hit up top, and those are going to broken bones. You you prepare all season and then your season last one game. And that's the hardest part of the most brutal sport part of this sport is the most brutal sport and it might be why fans love it the most most gladiator type sport we have because it is just cold, it's heartless at times, and you know, I pray for him and his family in a speedy recovery cuz it can be a dark place when you're when you're injured and you have all your expectations kind of a city on your back and you're kind of out for the season. Now, for Jameis I played against Jameis Winston in my career. Um he is when you see a backup quarterback come in a game and kind of like last game, it's conservative. They don't want to risk it too much. They're not going to take chances. The team's going to run the ball more. That's not Jameis Winston. With a week of preparation, he is known to put the ball in the air. He is going to throw the ball deeper than Jackson Dart throws it time and time again more often. He's one of the more aggressive quarterbacks we have and he's known for having high passing yard seasons. He's been a starter most of his career uh before Tom Brady came to the Bucks he was starting. So, he has high passing yards, lot of touchdowns but a lot of interceptions, too. I have a Jameis Winston interception ball at my house. So, I was able to intercept Jameis, but I think that's the exciting and entertaining thing. Not only his personality and how he rallies the troops, but that he puts the ball into play. So, I think there'll be some excitement. I think there'll be some good plays and bad plays, but that's the Jameis Winston experience and as a guy who's played against Jameis, a guy who's been coached by Brian Daboll from the Titans who's making his return, former coach of the Giants to New York. So we get to call this revenge revenge game, we'll call it. >> Yeah. >> Um I I got to be a part of both those experiences. So I'm excited to tell those stories on air. >> All right. Um I'm looking forward to that as well. Um I've had the chance to sit down with Jameis here as well. So >> good time, isn't he? Yeah, he's a good time. >> Um but also very thoughtful. Um just a quick final thought that you want to leave us with, especially when it comes to financial literacy for young athletes. >> Look, I I'm here to say that just because you hear stories about athletes going broke, that doesn't mean that there's all athletes going broke. And I would say as a young player, the advice I'll give myself is learn about money, study money as just as much as you study the playbook. Because our job as an athlete is to play well, and they pay well, but you also got to save well or that money's gone anyway. So that's something I've learned is uh to really challenge myself. I wasn't prepared coming out of college. I wasn't prepared coming out of high school. That's a problem we have in the United States, but I really took the time to study it because at the end of the day you got to bring money home for your family, and you got to keep the money in your house to grow generational wealth. >> Logan, thank you. Appreciate that. >> Appreciate you. Our thanks to Logan Ryan, two-time Super Bowl champ and CBS Sports college and NFL analyst. Remember to watch new episodes of Market Overtime on our YouTube channel and watch Market News 24/7 [music] on schwabnetwork.com. I'm Diane King Hall. Thank you so much for joining us. >> [music] [music] >> Mhm.