Mr Judicious: Ryan Broyles

Need financial planning advice? Consult Ryan Broyles.

This dude knows how to discipline his dosh in a world full of temptation.

I was pretty impressed when I read his story. No Mercedes. No gawdy mansion or lavish lifestyle.

It's simple, people! And Broyles gets it.

Back in 2012, Broyles signed a 4-year, $3.6milliondeal with the Detroit Lions. Although he hasn't exactly been a vital piece of the wide receiving puzzle for the team, dude's had his moments:

Like it is for most NFL players, Broyle's window of opportunity is short. Knowing that he could be cut at any time, a frugal lifestyle in the present makes sense for his future.

It's clear he understands the value of every dollar. Time was, he didn't have many of them, which led to bad decisions:

That cost him his freshman season. Cynics may argue that coach Bob Stoops didn't boot him from the Sooners once and for all because of Broyles' talent, but he didn't. Maybe because of Broyles' talent, Stoops saw a way for the kid to improve his lot in life if he simply had another chance.

So Broyles got one, and he made the most of it.

And dude's made the most of it in more ways than one:

Now, that's why people need a second chance instead of pompous, hard-assed judgments.

That's why Rex Ryan was right to sign Richie Incognito and IK Enemkapali. Hell, it's why someone should have the cojones to sign Ray Rice. Society said he paid for what he did, he and his wife remain together, and they've moved on. Shouldn't the NFL?

Broyles and fellow NFL player Mark Ingram recently spoke to students in Washington DC about how it's never too early to get into financial planning. His advice:

I studied [the financial tools available] as much as I could. Talked to people wealthier than me, smarter than me. So that definitely helps.

Sound like he's smarter than most already.