WEBVTT

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Go out to the ka Common sparital
hotline right now. Bring on former Broncos

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wide receiver tight end Nate Jackson at
Nathan Sirius on Twitter, and how you

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doing this evening? I'm good.
How you doing doing? Doing pretty well?

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You wrote a fantastic piece on h
on de Factor, and I will

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tell you this before I get into
that. I loved your book Slow Getting

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Up. It's one of one of
my favorite reads. Passed that one around

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as well. But you wrote a
fantastic piece on on Defector, detailing kind

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of the end of your lifetime in
the NFL and the process that you went

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through to try to kind of hang
on there, and and and then as

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a kind of I don't know,
side piece to that, and in the

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background of that story was the financial
misappropriations of a financial advisor you had.

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I thought it was a fascinating piece
and I kind of wanted to get that

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out there and get into the weeds
on it. Man. You know,

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obviously you've got your former teammate Nick
here, and uh, it's it's interesting

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to me, and it's interesting to
fans how careers end and and how guys

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go out, mostly not on their
own terms. Even the greats often don't

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go out on their own terms,
Olway being an exception that we look at

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your story here in the links that
you were going to to try to hang

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on. At what point did you
did you really actually know hey, this

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is over? Well, great question, because it takes quite a long time.

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Like you mentioned John Elway, you
know, having the teary goodbye,

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he has the press conference and he
said, it's all over. I won

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my two Super Bowls. My body's
failing me. Now I'm thirty eight years

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old. I got to walk away
from the game. That is the fairy

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tale for most guys. It ends
unceremoniously. You get a tap on the

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shoulder, you get cut, or
you get a call in the off season,

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and you never get to say goodbye. You never have a press conference,

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and then your agent goes you,
look, it's not over yet.

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Keep training. You're gonna get another
chance, you're gonna get a workout.

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You're gonna land somewhere, and so
you believe him. You keep working at

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it. You keep working at it. Maybe you get a couple of workouts

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like I did. I got cut
by the Broncos in January of two thousand

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or February of two thousand and nine. So I kept training all summer long.

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I got a couple I got signed
to the Browns, that was there

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for a week, got cut,
played in the UFL for the Las Vegas

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Locomotives in September October of two thousand
and nine. My hamstring tour off the

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bone, which was what ended my
previous season with the Broncos. But finally

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a tour needed surgery. I have
the surgery, and then in my sick

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mind, I thought, Okay,
now it's fixed. Now I'm good to

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go. Now they're gonna want me
again. And so it took another probably

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six months after that. So to
answer your question, it took over a

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year, probably a year and a
half for me to realize that it was

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actually over. You and I might
be the only people that remember the UFL.

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I did six months of work for
the Sacramento Mountain Lions, you know,

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before I actually went to my last
tour to Iraq, you know,

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half after that, so that we
were the only people that remember the that

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remember the UFL. But I appreciated
that note. Being in Las Vegas Locomotives

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and we had training camp in Casa
Grande Arizona on some fresh lights out in

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the middle of the desert, there
was a biblical swarm of mosquitoes. We

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were staying at the holiday inn.
There was a bunch of guys who were

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trying to get back in the NFL
and believe that their careers weren't over.

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It was a pretty sad time,
you know, Nate, I appreciate you

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writing this article, but the biggest
thing for me is what made you want

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to finally come out and write this
piece and really explain to readers what you

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actually went through, but not just
that, but what athletes actually go through.

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Yeah, so it did take me
quite a while. I put a

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little bit of this stuff in one
of the books I wrote, but nothing

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of the detail that I used here. And you know, we've been talking

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about the end here and how long
it took for me to realize it was

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over. And during that time the
training to get back in my body's falling

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apart. I'm shooting HGH human growth
hormone into my belly to try to heal

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the hamstring that wouldn't heal. All
the while I'm staying with my financial advisor

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who lived in Sande and had become
a quote unquote friend sort of, but

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he was. He was stealing my
money. My money was locked up in

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a Ponzi scheme, and I didn't
realize it at the time, and it

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wouldn't be until, you know,
the dust settled and I realized that my

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career was over. I really started
connecting the dots. I was staying out

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in San Diego with him at his
house. My mail was coming here to

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my spot in Denver. I had
a friend here staying at my house in

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Denver, and I said, hey, man, you know, just put

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the mail in a box and I'll
take care of it when I get home.

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When I get home, you know, just send me something that's super

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important, and to me, super
important was just like something from an NFL

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team. If it's a bank statement, a financial statement, that's not super

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important. I knew I had money. Throw it in the box there,

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and I'll deal with it later.
Meanwhile, the guy who's managing my money

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is stealing it from under my nose
and the rest of his clients of about

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twenty former athletes who all got swindled
by this guy, and he was lying

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in my face. And I was
so focused on getting back to the NFL

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and hiding my secret, which was
shooting up a and just not allowing myself

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to believe that my dream was over. That I wasn't paying attention to what

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was happening in front of me,
And it just took me a long time

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to feel. Uh. I guess
enough distance from that to connect the dots

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enough to feel to feel like I
could tell the story, because I feel

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like it's probably more common than people
think. Yeah, And that's the thing

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that I you know, when reading
this right when you when you posted it,

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and going through this, I'm like, man, this is such a

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you know, and I hate to
put it this way, such a common

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story, you know around the league. There are multiple angles to it here.

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I mean, you got you guys
desperate to hang on. You've got

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financial improprieties behind the scene. A
financial will call it, and I have

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a tay when it comes to this
kind of stuff. I thought one of

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the most fascinating details in here was
how you just kind of blew past the

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two to one match on the four
oh one k and uh and And there's

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a subtle detail in here that I
think that is something the NFL needs to

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do more of with some of these
things. It's just automatically opting guys in,

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because then they'll have to fill the
paperwork to opt out, which is

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the only thing that's that's that's more
trigger and then trying to you know,

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get your money in the first place. Yep, it's paperwork, man.

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NFL players don't know how to fill
it out, and we don't want to

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fill it out. We spent our
whole lives just playing football really well,

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and everyone would take care of everything. I mean, you talk about the

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paperwork, You talk about the paperwork. We don't have to fill out any

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healthcare paperwork. We never have to
make an appointment anywhere to go see anybody.

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Everyone does the paperwork for us.
And so when you have to do

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something and put your mind into that
world, anything to avoid that is what

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a player does. And you're right. The first couple of years, my

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first two out of six, I
think it was a two, maybe at

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least one. I wasn't involved in
the four to one K program, and

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because I wanted my money now,
you know, I want the money now,

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thirty years fifty five, I mean
that's never gonna come. The financial

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system's a house of cars, guys, It's going to collapse any time now

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I want my money. Now I'm
Superman, I'm young, I'm invincible.

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There was no future planning, there
was no perspective on what things are gonna

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be like when this thing is over. You are just in the meat grinder

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every day. You've got to flip
that switch and pretend that you are Superman.

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And Superman doesn't need a four one
K, right, So like it

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took them opting us in for me
to get involved with it, and you're

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absolutely right about that. I think
players need to be protected from themselves a

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little more. You know, this
financial advisor was recommended to me by my

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agent. My agent, I'm still
friends with him. He didn't do this

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maliciously. He was deceived by this
guy. There's a lot of dudes out

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there floating around who are deceiving players, agents and taking advantage of guys who

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are just so focused on being Superman
that they can't see tomorrow. Nay.

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What would you do with players who
are currently playing or about to answer into

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the league with based on your situation
and your experience from a financial standpoint,

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what would be your number one message
to those guys? Well, I mean,

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you know, when I sat down
with this financial advisor, was in

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when I was in the middle of
year four and I had finally started to

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make some decent money and save some
money, and I thought what I was

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doing was smart because we had talked. We sat down, we met at

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Del Frisco. He said he's going
to be in town on business, and

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he brought his low portfolio and we
talked about his strategies, and he talked

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about conservative, long term, low
risk strategies. And that's not what he

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did, but that's what he sold
me on. That's what players should do,

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conservative long term, low risk strategies. And don't buy a big old

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house because you're probably gonna move,
you know what I mean, Like,

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don't buy a bunch of cars,
don't buy a lot of anything. Like

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shave your money and put it somewhere
where it's going to grow and someone's not

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gonna risk it. And don't fall
for the flashy dude, the guy who

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wears the nice Italian suits and goes
and flies to every game. He was

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like five or six years older than
I was. He was at every NBA

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All Star game, UFC fight Black
Card on every bottle, like that's who

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he was. And he wooed us
with this idea that he kind of knew

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he knew the game, and he
knew what we were about, and he

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knew what the lifestyle was like,
and so that kind of thing can intoxicate

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a young player. But for me, it was like I wanted him so

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I didn't even have to think about
money at all, because the more I

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could focus on football and not think
about my money, I thought, the

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better off i'd be it, the
better I'd be at football, and then

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my money could grow. And so
I blindly trusted this dude without really,

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you know, knowing much about him, because I just wanted to focus on

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football. And so maybe I guess
the NFLPA could create a list of sanction

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and I know they do create a
list of certified financial advisors that they approve

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and stuff, but a bunch of
guys slipped through the cracks. But it

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is a gray area where how do
you tell a grown man what to do

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with his money. It's really hard
to police it. Yeah, buy an

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index fun first of all, But
second of all, it's you know,

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yeah, it is interesting, you
know to see it because I look and

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there's a lot of guys that are
going broke afterwards, and the financial advisors

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that are they come in with a
with a with a smile and a handshake

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and say, hey, I'm gonna
you know, I got your money.

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It's safe, it's going to be
fine, and they're using it to fund

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a jet setting lifestyle. You mentioned
the name of the person in the article,

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and I'm not going to mention his
name here on the air. People

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can go out and read that and
get that. But I do know that

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person has has a deal where he
is attempting to write a book based on

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his experiences. Do you guys think
that you're going to be able to collect

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money off him from that book?
You know, I don't think he's actually

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really trying to write a book.
If you google this guy's name, and

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I have no problem saying his name, his name is Billy Crafton. If

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you google his name, he has
done a lot of work, digital work

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to make sure that the first couple
of pages that pull up have nothing to

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do with his frog. Billy crafton
jiu jitsu, it's Billy Crafton, write

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the book, Billy Crafton Loves Dogs, it's Billy Crafton, like surf lessons,

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like it's Billy crafton financial services.
So this guy has tried to scrubb

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the Internet of the reality of what
he did to people. And you know,

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if you did, you'll see the
sec You'll see the lawsuits. You'll

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see that he wore a wire for
the FED to nab a couple other agents

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plotting to defraud their clients in a
multimillion dollar fraudulent scheme as well. So

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this guy's a bad dude, and
he's trying to cover his tracks with that.

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I don't think he's writing a book. I don't know what he would

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have to say. Now. If
he had some contrition and talked about how

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it got that way and the mistakes
that he made, it could be a

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really good book. I don't really
see him doing that, though, because

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he never called me an apologize.
You know, he never offered to give

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me my money back. He went
to jail for a little bit, and

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you know, I don't know if
he's really learned his lesson spiritually or emotionally

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or it would be willing to talk
about that. But I think if he

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did or could, he would teach
a lot of people a lot of things

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about how it got that way.
He'll remind you, though, and he

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told me that he lost his money
too in this ponzi scheme, it was

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called Westmore It was a real estate
development ponzi scheme in southern California, and

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he lost apparently a good chunk of
his money here as well, and so

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there were no winners in this story. Yeah. Well that was kind of

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my next question because you mentioned in
the article that you got to talk to

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him, and I wondered where those
terms were, But I can, I

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can read between the lines there.
Some of the other people that were that

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had lawsuits or arbitrations against them include
you yourself, a Cole Hamil's, Jason

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Terry, Brett Selik, a j
Feely soccer player, had their mits.

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I mean, there are plenty of
people that were that were fleeced by this

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guy over the years. But what
I mean, you know, in terms

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of what guys can do to safeguard
themselves on the front end from these vultures

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praying on them, what would your
advice be to young NFL or NBA or

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any any support players that are approached
by these kind of guys. Yeah.

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I think if you're approached by someone, be suspicious, right, I mean,

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if they're coming to you to talk
about your money, probably be suspicious.

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Maybe go with someone who's a family
friend, someone who's backed by the

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type by the type of bank or
institution that can support or has references for

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this guy or this entity. I
mean when I'm that billy, he was

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operating by himself. He had a
couple partners, but he was doing his

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own thing. It wasn't until he
was acquired by sun Trust Bank and sun

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Trust paid him two point seventy five
million dollars for his stable quote unquote of

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athletes, and that's when they started
looking. That's when they started looking into

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his holdings and realizing that he was
a fraud. And if he had never

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you know, merged with sun Trust, who knows what would happen. So

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so go with someone who's established.
Go with someone maybe who's a family friend,

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someone who doesn't approach you. You
do your research and find someone that

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makes sense for you. You know, I want you to explain to the

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audience what is like being a player
and having that pressure to play through injury.

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Because a lot of fans they played
fantasy football. They get upset with

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players, especially when players get injured, but they don't know the in the

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workings of the type of pressure that
goes through a guy's mind when he's injured.

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In hearing you say something I had
ever discussed with you before, and

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it was different from me reading it. Well, you talked about the HGH

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that you were taking because of your
hamstring. But I want you to kind

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of really elaborate on that, explain
to the audience once again how difficult it

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is to deal with injuries and pressure
in this game of football that we love.

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Yeah. So I had never taken
any steroids or any HGH while I

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was playing, while I was in
college, while I was a pro,

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until I got out, until I
got cut by the Broncos, and I

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had this hamstring problem that just would
not go away. I knew it had

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not healed. I was out of
the league. I wanted back in.

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I was desperate, and I knew
there was something wrong, and I thought,

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in my state of mind that AGH
was going to help me heal it.

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The pressure to be back on the
field, you know, while you're

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playing, you know, I mean, if you get hurt and I sit

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out, If I get hurt and
I sit out two or three weeks and

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the guy behind me played better than
me, and well then I'm not going

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back in, you know, And
football from the very moment you start playing

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it. It's about how tough are
you, Are you hurt or are you

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injured. The guys who can endure
the most pain and the most injury really

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are the guys who go the furthest
in the game. I mean, every

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time you get hit on a football
field, that hurts. If you get

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a helmet, a hard plastic helmet
with a metal face mask, being pushed

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by a guy running at full speed
as he possibly can and he flies into

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your flesh and bone, that hurts. Every single time. You learn to

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turn out, turn down the pain, block out the pain, deal with

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the pain. Pain becomes a constant, pain becomes part of your life,

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and then you start to manage that
pain and start to realize, Okay,

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is this pain I can work through
or is this pain I actually have to

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rehab it and pull me off the
field. And the longer you can stay

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on the field and deal with the
pain, the further you're gonna go.

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And so you know, training camp, for example, a war of attrition,

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you're out there beating the craft out
of each other, and the guys

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who fall apart are not gonna be
out there on the field, and the

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guys who are able to or endure
it are gonna make the team and show

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their coaches they can be relied on
when it matters. The window for an

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NFL player closes really fast. You
know, it's a three and a half

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of your career on average. And
you talked about John Elway earlier and those

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guys who earn generational wealth because they
have three four contracts. Well, if

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you play three years, you're not
getting a second contract. You're not leaving

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the league with any sort of generational
wealth. In fact, what you're leaving

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the league with was I'll be cool
for five years type of money. Okay,

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that's not the type of money that
you want to have when you leave

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the NFL. You want to be
able to set your family up for generations

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right ideally, and so playing through
pain and injury becomes a question of the

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future of your family, your longevity, your identity. When you're out of

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the league, you realize who am
I without this game? And for me,

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I needed to do whatever it took
to get back in Well, I

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appreciate the opportunity to get talk both
of you guys, Nick every night,

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Nate you here as well, and
reading your story that's Nate Jackson, former

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wide receiver and tight end, author
of the New York Times bestseller Slow Getting

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Up and Nate Offline. I want
to I guess some information I want to

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get You had a producer reach out
from after reading your tweet you wanted to

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get a hold of you, wants
to talk to you. I don't know

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spec script stuff. I don't know
if it's going to lead anywhere, but

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I do have some stuff I want
to get you offline, so I'll do

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that here in just a moment.

