No surprise that a lot of these guys struggle with retirement. Hardly anyone in any industry is thinking about retirement when they start work on day one. This has a longer wait time on getting to 401k and retirement benefits than most industries, simply because the players are retiring at a relatively young age.
As with anything however, everyone needs to have a plan and several options on that plan in case circumstances change.
I think a key section of the writing here is often overlooked in cases where players get into financial trouble – things have always worked out in the past – most of the players just know that happened, they never delve into the nuts and bolts of why ‘things just worked out’