90-Day NIL Game Plan: What to Do Right After Your First Deal

Landing your first NIL (Name, Image, and Likeness) deal is a huge milestone. You’ve proven that your athletic talent and personal brand have value — and now the money is starting to flow. But here’s the catch: without a game plan, your NIL dollars can disappear just as quickly as they arrive.

The first 90 days after your first deal are critical. This is when you set the habits, systems, and mindset that will determine whether NIL becomes a short-term bonus or a long-term opportunity. Use this step-by-step 90-day NIL playbook to start strong.

Days 1–30: Build the Foundation

1. Separate Your Accounts

• Open a dedicated NIL checking account for all income and expenses.

• Use a second account for taxes — move 25–30% of every payment there immediately.

2. Meet With Compliance

• Report your deal to your school’s NIL compliance office to ensure you’re following NCAA and school-specific rules.

3. Track Your First Deal

• Save copies of your contract, invoices, and receipts.

• Start a simple spreadsheet or use an app to track NIL income and expenses.

4. Celebrate Wisely

• It’s okay to enjoy your success — just set a spending limit so you don’t blow your first check.

Days 31–60: Create a Budget and Savings Plan

1. Write Your NIL Budget

• Identify monthly “musts” (rent, food, transportation).

• Decide how much to save and how much you can spend.

• Base your budget on your lowest expected income month, not your highest.

2. Build Your Safety Net

• Start saving toward an emergency fund — at least 3–6 months of living expenses.

• Even $100–$200 from each NIL payment adds up over time.

3. Consider Professional Guidance

• Schedule an intro meeting with a CPA for tax planning.

• Explore working with a financial advisor who understands NIL to set long-term goals.

Days 61–90: Think Like a Business Owner

1. Evaluate Your Next Moves

• Are you reinvesting in your brand (better content, photos, or marketing)?

• Can you diversify your NIL opportunities (local deals, merchandise, appearances)?

2. Prepare for Taxes

• Mark down quarterly deadlines (April, June, September, January).

• Keep receipts for NIL-related expenses — they may be deductible.

3. Start Long-Term Planning

• Research Roth IRAs and other beginner investment accounts.

• Set a percentage of each NIL payment for long-term savings.

• Think about how NIL money fits into your bigger career and life goals.

The Bottom Line

Your first NIL deal is more than just a check — it’s your entry into the business world. By separating accounts, saving for taxes, creating a budget, and thinking long-term, you’ll avoid the mistakes that trap many athletes and instead set yourself up for success.

Ready to build your NIL financial team? Use the NIL Financial Advisor Directory to connect with trusted professionals who can help you make every NIL dollar count — from Day 1 to Day 90 and beyond.