{"id":1962,"date":"2025-07-03T14:54:01","date_gmt":"2025-07-03T14:54:01","guid":{"rendered":"https:\/\/financialliteracyfornil.com\/?p=1962"},"modified":"2025-07-03T15:09:48","modified_gmt":"2025-07-03T15:09:48","slug":"elementor-1962","status":"publish","type":"post","link":"https:\/\/financialliteracyfornil.com\/?p=1962","title":{"rendered":"Student-Athlete Financial Plan Checklist"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1962\" class=\"elementor elementor-1962\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d477b7b e-flex e-con-boxed e-con e-parent\" data-id=\"d477b7b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-034612f elementor-widget elementor-widget-text-editor\" data-id=\"034612f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1 data-start=\"160\" data-end=\"204\">\u00a0<\/h1><p data-start=\"205\" data-end=\"270\"><strong data-start=\"205\" data-end=\"270\">A Practical Step-by-Step Guide to Winning With NIL and Beyond<\/strong><\/p><hr data-start=\"272\" data-end=\"275\" \/><p data-start=\"277\" data-end=\"531\"><strong data-start=\"277\" data-end=\"307\">Step 1: Clarify Your Goals<\/strong><br data-start=\"307\" data-end=\"310\" \/>[ ] Write down your top 3 financial goals for the year<br data-start=\"364\" data-end=\"367\" \/>[ ] Identify who or what you are financially responsible for (yourself, parents, rent, etc.)<br data-start=\"459\" data-end=\"462\" \/>[ ] Decide how much you want to save vs. how much you want to spend<\/p><hr data-start=\"533\" data-end=\"536\" \/><p data-start=\"538\" data-end=\"830\"><strong data-start=\"538\" data-end=\"574\">Step 2: Know Your Income Sources<\/strong><br data-start=\"574\" data-end=\"577\" \/>[ ] List all sources of income:<br data-start=\"608\" data-end=\"611\" \/>\u2003[ ] Scholarship (room, board, tuition, etc.)<br data-start=\"656\" data-end=\"659\" \/>\u2003[ ] NIL deals (sponsorships, social media, camps, events)<br data-start=\"717\" data-end=\"720\" \/>\u2003[ ] Revenue-sharing from your school (starting July 1, 2025)<br data-start=\"781\" data-end=\"784\" \/>[ ] Estimate total income expected this year<\/p><hr data-start=\"832\" data-end=\"835\" \/><p data-start=\"837\" data-end=\"1201\"><strong data-start=\"837\" data-end=\"897\">Step 3: Create a Simple Budget Using the 60\/25\/10\/5 Rule<\/strong><br data-start=\"897\" data-end=\"900\" \/>[ ] 60% for Essentials \u2013 rent, groceries, phone, car, insurance<br data-start=\"963\" data-end=\"966\" \/>[ ] 25% for Future \u2013 emergency fund, Roth IRA, Solo 401(k)<br data-start=\"1024\" data-end=\"1027\" \/>[ ] 10% for Lifestyle \u2013 clothes, eating out, entertainment<br data-start=\"1085\" data-end=\"1088\" \/>[ ] 5% for Giving \u2013 family, charity, church<br data-start=\"1131\" data-end=\"1134\" \/>[ ] Use separate accounts or apps to keep these buckets organized<\/p><hr data-start=\"1203\" data-end=\"1206\" \/><p data-start=\"1208\" data-end=\"1643\"><strong data-start=\"1208\" data-end=\"1253\">Step 4: Open the Right Financial Accounts<\/strong><br data-start=\"1253\" data-end=\"1256\" \/>[ ] Open a student checking account for daily expenses<br data-start=\"1310\" data-end=\"1313\" \/>[ ] Open a high-yield savings account for emergency funds<br data-start=\"1370\" data-end=\"1373\" \/>[ ] Open a Roth IRA if you have earned income from NIL<br data-start=\"1427\" data-end=\"1430\" \/>[ ] Open a business checking account if running your NIL through an LLC<br data-start=\"1501\" data-end=\"1504\" \/>[ ] Open a brokerage account for extra investing beyond your Roth<br data-start=\"1569\" data-end=\"1572\" \/>[ ] Open a separate account for giving to family or charitable causes<\/p><hr data-start=\"1645\" data-end=\"1648\" \/><p data-start=\"1650\" data-end=\"2097\"><strong data-start=\"1650\" data-end=\"1691\">Step 5: Understand and Plan for Taxes<\/strong><br data-start=\"1691\" data-end=\"1694\" \/>[ ] Track every NIL deal and how much you\u2019re paid<br data-start=\"1743\" data-end=\"1746\" \/>[ ] Save receipts for business expenses (travel, gear, software, etc.)<br data-start=\"1816\" data-end=\"1819\" \/>[ ] Make quarterly estimated tax payments if you expect to owe more than $1,000<br data-start=\"1898\" data-end=\"1901\" \/>[ ] Hire a CPA who understands NIL and multi-state income<br data-start=\"1958\" data-end=\"1961\" \/>[ ] Consider forming an LLC if you\u2019re earning $30,000 or more<br data-start=\"2022\" data-end=\"2025\" \/>[ ] Explore S-Corp election if you\u2019re earning $75,000 or more annually<\/p><hr data-start=\"2099\" data-end=\"2102\" \/><p data-start=\"2104\" data-end=\"2434\"><strong data-start=\"2104\" data-end=\"2147\">Step 6: Protect Yourself With Insurance<\/strong><br data-start=\"2147\" data-end=\"2150\" \/>[ ] Make sure you have health insurance<br data-start=\"2189\" data-end=\"2192\" \/>[ ] Get renters insurance if you live off-campus<br data-start=\"2240\" data-end=\"2243\" \/>[ ] Get car insurance if you own or lease a vehicle<br data-start=\"2294\" data-end=\"2297\" \/>[ ] Get liability insurance if you host camps or do public appearances<br data-start=\"2367\" data-end=\"2370\" \/>[ ] Consider disability insurance if you&#8217;re on track to go pro<\/p><hr data-start=\"2436\" data-end=\"2439\" \/><p data-start=\"2441\" data-end=\"2797\"><strong data-start=\"2441\" data-end=\"2496\">Step 7: Start Building Credit Early and Responsibly<\/strong><br data-start=\"2496\" data-end=\"2499\" \/>[ ] Apply for a student credit card with no annual fee<br data-start=\"2553\" data-end=\"2556\" \/>[ ] Put one regular expense on it (like Netflix or Spotify)<br data-start=\"2615\" data-end=\"2618\" \/>[ ] Set up auto-pay to pay off the balance in full each month<br data-start=\"2679\" data-end=\"2682\" \/>[ ] Keep credit utilization under 10% of the card\u2019s limit<br data-start=\"2739\" data-end=\"2742\" \/>[ ] Check your credit report once a year for accuracy<\/p><hr data-start=\"2799\" data-end=\"2802\" \/><p data-start=\"2804\" data-end=\"3155\"><strong data-start=\"2804\" data-end=\"2849\">Step 8: Begin Investing for the Long-Term<\/strong><br data-start=\"2849\" data-end=\"2852\" \/>[ ] Contribute monthly to a Roth IRA using NIL income<br data-start=\"2905\" data-end=\"2908\" \/>[ ] Invest in low-cost index funds or ETFs<br data-start=\"2950\" data-end=\"2953\" \/>[ ] Avoid speculative investments, \u201chot tips,\u201d or cryptocurrency hype<br data-start=\"3022\" data-end=\"3025\" \/>[ ] Increase investment amounts as your income grows<br data-start=\"3077\" data-end=\"3080\" \/>[ ] If using a Solo 401(k), make both employee and employer contributions<\/p><hr data-start=\"3157\" data-end=\"3160\" \/><p data-start=\"3162\" data-end=\"3527\"><strong data-start=\"3162\" data-end=\"3206\">Step 9: Set Healthy Boundaries on Giving<\/strong><br data-start=\"3206\" data-end=\"3209\" \/>[ ] Decide on a monthly or yearly giving cap for family and causes<br data-start=\"3275\" data-end=\"3278\" \/>[ ] Use a separate account just for giving so you don\u2019t overspend<br data-start=\"3343\" data-end=\"3346\" \/>[ ] Have a script ready for saying \u201cno\u201d respectfully<br data-start=\"3398\" data-end=\"3401\" \/>[ ] Offer help through advice or resources, not just cash<br data-start=\"3458\" data-end=\"3461\" \/>[ ] Avoid co-signing loans or leasing cars for friends or family<\/p><hr data-start=\"3529\" data-end=\"3532\" \/><p data-start=\"3534\" data-end=\"3850\"><strong data-start=\"3534\" data-end=\"3580\">Step 10: Build Your Financial Support Team<\/strong><br data-start=\"3580\" data-end=\"3583\" \/>[ ] Find a CPA who specializes in NIL and self-employment taxes<br data-start=\"3646\" data-end=\"3649\" \/>[ ] Work with a fiduciary financial advisor who puts your interests first<br data-start=\"3722\" data-end=\"3725\" \/>[ ] Hire or consult with a certified NIL agent or attorney<br data-start=\"3783\" data-end=\"3786\" \/>[ ] Make sure someone reviews any NIL contract before you sign<\/p><hr data-start=\"3852\" data-end=\"3855\" \/><p data-start=\"3857\" data-end=\"4297\"><strong data-start=\"3857\" data-end=\"3906\">Step 11: Follow a Seasonal Financial Calendar<\/strong><br data-start=\"3906\" data-end=\"3909\" \/>[ ] January \u2013 Set financial goals, organize documents, review last year\u2019s income<br data-start=\"3989\" data-end=\"3992\" \/>[ ] April \u2013 File taxes and make Q1 estimated tax payments<br data-start=\"4049\" data-end=\"4052\" \/>[ ] June \u2013 Make Q2 estimated tax payments, review mid-year spending<br data-start=\"4119\" data-end=\"4122\" \/>[ ] September \u2013 Make Q3 tax payments, renegotiate deals if needed<br data-start=\"4187\" data-end=\"4190\" \/>[ ] December \u2013 Max out retirement contributions, complete charitable gifts, meet with your financial team<\/p><hr data-start=\"4299\" data-end=\"4302\" \/><p data-start=\"4304\" data-end=\"4623\"><strong data-start=\"4304\" data-end=\"4347\">Step 12: Reevaluate and Adjust Annually<\/strong><br data-start=\"4347\" data-end=\"4350\" \/>[ ] Conduct a full financial review at the end of each year<br data-start=\"4409\" data-end=\"4412\" \/>[ ] Update your goals, budget, and savings targets<br data-start=\"4462\" data-end=\"4465\" \/>[ ] Check if new NIL rules, school policies, or tax laws affect your plan<br data-start=\"4538\" data-end=\"4541\" \/>[ ] Meet with your CPA and advisor to create a new game plan for the next season<\/p><hr data-start=\"4625\" data-end=\"4628\" \/><p data-start=\"4630\" data-end=\"5001\"><strong data-start=\"4630\" data-end=\"4674\">Final Wrap-Up: Long-Term Habits That Win<\/strong><br data-start=\"4674\" data-end=\"4677\" \/>[ ] Emergency savings account is fully funded<br data-start=\"4722\" data-end=\"4725\" \/>[ ] Roth IRA or Solo 401(k) contributions are automated<br data-start=\"4780\" data-end=\"4783\" \/>[ ] Budget categories are clear and accounts are organized<br data-start=\"4841\" data-end=\"4844\" \/>[ ] Tax strategy is in place and monitored<br data-start=\"4886\" data-end=\"4889\" \/>[ ] Giving is consistent but controlled<br data-start=\"4928\" data-end=\"4931\" \/>[ ] You have a team of trusted professionals supporting your journey<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A Practical Step-by-Step Guide to Winning With NIL and Beyond Step 1: Clarify Your Goals[ ] Write down your top 3 financial goals for the year[ ] Identify who or what you are financially responsible for (yourself, parents, rent, etc.)[ ] Decide how much you want to save vs. how much you want to spend &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/financialliteracyfornil.com\/?p=1962\" class=\"more-link\">Read more<span class=\"screen-reader-text\"> &#8220;Student-Athlete Financial Plan Checklist&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[],"class_list":["post-1962","post","type-post","status-publish","format-standard","hentry","category-budgeting-money-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Student-Athlete Financial Plan Checklist - Financial Literacy For NIL<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/financialliteracyfornil.com\/?p=1962\" \/>\n<meta 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