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Fourth Quarter Plus Overtime

Release Your Full Potential

Days
Hours
Minutes
Seconds

This is a book about family.
A book about sports. 
A book about college life.
A book about determination.

And a book about how they all come together, the good and the bad. It’s the story of five members of a family: three student-athletes who had very different experiences with the NCAA and one who played sports but later decided that sports was not the right path, and the woman who represents the common thread among them.

It’s a book about real life, real choices, and real temptations. A book that pulls back the shiny finish that is often presented by the national media about college athletics, and takes a hard look at what lies underneath. 

Excerpt

“I was a redshirt freshman my first season playing as tight end.  SMU had two guys in front of me already, but one was graduating, so that made me feel like I was going to get a shot to play pretty soon.  Here was the thing though, I was a big guy, but I was a skinny guy for my size, once I was living in the athletic dorm at SMU and eating three big meals a day, I started putting on a lot of weight, nearly all of my muscles were working out – hard.  I got so big so quickly that the coaches moved me from tight end to nose guard. Now instead of blocking people and catching passes, I was going to be clogging up the middle and going after the quarterback.  I took it all in stride, when you are agreeable with your coaches, you’re going to be rewarded with playing time”. 

Kim Johnson Sr.

Quote

“Never stop in the middle and always rest at the end.”

Kobe Bryant- Former Player, Los Angeles Lakers

Awareness and understanding of core personal finance principles including the following:

  1. Budgeting

    • Understand the definition of budgeting and why it’s important
    • Understand the types of budget approaches
    • Learn the general process of budgeting
    • Develop a clear understanding of the tools and resources for implementing a budget
  1. Saving and Reserving
    • Understand the types of savings vehicles
    • Learn the process of goal setting and matching savings to specific goals
  2. Credit and Debt
    • Understand the purpose of credit and debt
    • Learn the types of credit and debt and the appropriate uses of each and when to use credit/debt
  3. Insurance
    • Understand the purpose of insurance
    • Learn the types of insurance (i.e. life, health, etc.), types of coverage, and the common uses of each
  4. Investments
    • Description of Account types and investment vehicles
    • Overview of markets, asset classes, and financial instruments
    • Understand the common uses of each of the general financial instruments within the context of wealth building and wealth preservation.