Money management and management, this really requires talent.

And Lu Ke just doesn't have such talent.

From childhood to adulthood, under the influence of his parents, Lu Ke has no business acumen, and he also has no concept of extravagant consumption. In the past two years, all salaries and bonuses have been honestly lying in bank accounts, and there are no big expenses at all for the occasional small daily expenses, from the offseason to the playoff position, all of which are completely immersed in training and games, and even the spare time life is lackluster, let alone any random squandering.

In the eyes of most people, such a life is really boring - making money, isn't it just about spending money?

In fact, Lu Ke doesn't know how to spend money, but he has no obsession with luxury:

On Lu Zhengze's birthday, Lu Ke presented his father with a set of high-end golf equipment and registered a member of his father's private golf club; On Jiang Youning's birthday, Lu Ke gave his mother a set of gardening tools and a Hermes platinum bag, and also recorded a "Happy Birthday Song" for his mother on his birthday.

On Lu Zhengze and Jiang Youning's wedding anniversary, Lu Ke personally booked a three-day, two-night winery trip to a high-end winery in Napa Valley to enjoy and relax for a few days.

As an undrafted rookie, Lu Ke's bonuses and salary are not high, and he gradually became wealthy after signing endorsements for Rolex and Mercedes-Benz - but after that, Lu Ke has been sprinting for the Super Bowl with all his might, and he has no time to squander it properly, so all his income is still lying in the bank and accumulating dust.

If he did not confirm his bank account, Lu Ke had no real sense of his assets at all. So, now that Lech suddenly brings up the matter of money managers, his first reaction is, "I don't need it." ”

But then he was stunned, and then he kept up with the rhythm of thought, "You mean, next, my income may need to be taken care of by a professional financial manager, right?" ”

"Yes." Lech said crisply, "Bambi, on the court, you are always full of confidence and fighting spirit, and you won the Super Bowl in one go; Off the pitch, you should do the same. Next, whether it is to stay in San Francisco or transfer to another team, it is bound to sign a big contract; On top of that, endorsement contracts will be signed one after another in the coming period, and your earnings will soon reach the top of the league. ”

To put it mildly, Lech didn't say much, but with that confidence that burst out from the inside out, too much information was leaked in just a few words.

Lu Ke chuckled, "That's good." I'm confident on the pitch, you're confident off the pitch, and then I'm helping each other to build 'Rugby Beckham'. The cheerful voice made Lech laugh dumbly, and then, Lu Ke returned to the topic, "What about Anderson?" ”

Lech hesitated for a moment.

The relationship between agents and players is very delicate.

First of all, the player is the employer, and the agent is the player's external spokesperson; Secondly, the agent does not have the right to make decisions, everything must be done by the player's nod, and if the player is not satisfied, they can also fire the agent at any time; Finally, agents are well-connected in the industry, and if a player offends them, it is easy for them to walk around the industry with negative news about the player, creating obstacles for the player's salary increase and transfer.

It is precisely because of this that in the process of getting along with agents and players, how to define friendship and partnership relationship is a profound science.

So far, Lech has always maintained a business distance, never asked about Lu Ke's personal matters, mainly hoping that the two sides can maintain a professional attitude; From the cooperation to the present, the relationship between the two sides is also very pleasant, it can be said that it is an instant hit, Lu Ke can fight on the field wholeheartedly, and Lech's plan can also be carried out smoothly.

The matter of the financial manager involves the personal assets of the players. If the money manager does well, that's it; But if the financial manager behaves poorly and loses all the player's savings, the relationship between the player and the agent will inevitably become awkward - not to mention, there is inherent risk in investment, and the financial manager can only estimate and control, but cannot guarantee that he will make money.

Lech had previously told Anderson that Lu Ke was a smart man, he had his own judgment, and he was very outstanding; Now he himself has not forgotten this.

After a moment of hesitation, Lech made a decision.

"I haven't worked with Anderson, I don't have an intuitive understanding of his vision and ability, and all the news is just rumors from the league. But you also know that rumors are always lies, otherwise the inside news on Wall Street wouldn't be that valuable, would it? ”

Lech did not give a positive opinion.

Because he knew, unless Lu Ke asked directly, "Do you think I should hire Anderson?" Otherwise, what Lu Ke needs is not opinions but information, and then make judgments and choices based on the information.

"All I know is the exact situation. After graduating from Anderson University, he worked for one of the top financial advisory firms in the industry, from a small clerk to a department manager, and qualified to become a senior partner. But last offseason, he left the company to start his own business. It's not because his wings are stiff and he can take charge on his own, so he abandons the company, but there is something else hidden. ”

"There's a lot of buzz in the NFL and the NBA about this, and everybody has their own version of it. I knew this version from Big Ben's mouth. Maybe as a reference. ”

"In early 2007, in the middle of the year, Anderson's former firm received an investment in a real estate project for a resort. I don't know if you've ever been to Miami, but after leaving Miami, the rest of Florida was relatively less well developed, and a lot of Cuban immigrants lived in the vicinity, so land there was very cheap. At that time, there was a business opportunity to build a resort with an investment of about 10 million US dollars. ”

Ten million dollars is not much for a top resort, but in the case of unspoiled areas of Florida, $3 million to five million can build a junior resort, and continued investment can make the resort more luxurious.

But Lu Ke knew the ending.

In 2008, the housing bubble came, and the financial crisis caused the collapse of the entire market, even affecting the whole world.

The movie "The Big Short" tells in detail the origin of this real estate bubble, in which four different groups predicted the financial crisis in advance and took advantage of it to make a fortune; And at that time, how did the four different groups know that the bubble was about to disappear? The source is Miami and the whole of Florida.

The detailed process is very complicated to explain, but in simple terms, there is an anomaly in Florida real estate where a large number of people with bad credit are able to complete the purchase of a house, and after they buy a house, they are unable to pay their mortgage, and then a vicious cycle is formed.

Anderson chose to invest in a resort around 2007, which was a terrible decision.

This can be said to be a bad decision at the professional level for financial managers.

Objectively speaking, Anderson was only thirty years old at the time; And the real estate bubble swept the whole of the United States, and even the Wall Street elite did not notice it, and all of them were inevitably reduced to cannon fodder, not to mention the young and immature Anderson. But one yard to another, and suddenly hearing that Anderson made the wrong decision in terms of investment, any listener will inevitably have scruples.

Just when Lu Ke thought that Lech would defend Anderson, Lech's next words were slightly unexpected.

Anderson saw it as a worthwhile investment, and he gathered some of his most trusted clients at the time – and his most trusted friends – at the same time. I hope you can invest together. Troy-Polamalu of the Pittsburgh Steelers was one of them, and Big Ben learned of the project by accident and invested $300,000. ”

As a result, the project failed. The ensuing housing bubble wiped out their investments. Poramaru invested five million dollars, but all of them landed on the Caribbean coastline. At that time, Poramaru had just signed a new contract, and his average annual salary was only 7.5 million. ”

did not whitewash the peace, but the simple and simple words revealed a sense of tragedy and embarrassment.

Now, it is just a series of numbers, which seems to have no meaning at all, but in the context of the time and social situation at that time, that kind of pessimism and despair are enough to destroy all the defenses of a person.

"Polamaru and Anderson have a complete falling out, and they don't share the same hatred."

If the story ends here, then Lu Ke obviously won't want to sign with Anderson.

For Lu Ke, Anderson is a stranger, and the only information he can know is that Anderson buried a $10 million project, and he doesn't have that much wealth for Anderson to take risks and squander.

After that, Anderson stayed with his previous company and worked hard under the company's name. Until August 2012, when he officially resigned, Anderson sent a check for $5 million to Polamaru, and Big Ben received a check for $300,000. Soon after, Anderson announced that he was setting up his own business. ”

The ending ends a little quickly, but the amount of information is extraordinarily large.

In just four years, Anderson has earned back all the losses of the year? This has proven his ability, so why would he want to leave his previous company? Is there anything I don't know about behind this, and the whole story seems very fragmented?