The Josh Innes Show - OBJ Struggling to Live Off His $100 Mil Deal

Episode Date: December 2, 2025

OBJ was on Ryan Clark's podcast explaining how a $100 million deal is not really $100 million. First off, duh. Second, you're going to have a hard time finding anyone who is going to feel bad for you or even attempt to understand your logic. Look, I've blown a lot of cash in my life and I regret it. My biggest vice has been betting on sports. I don't chase clout with purchases. I don't care about showing off. Perhaps OBJ should revaluate his spending. Learn more about your ad choices. Visit megaphone.fm/adchoices

All right, everybody, welcome in all up, and it's howdy-duty. All right, so one of my favorite stories of the day is O'Dell Beckham trying to explain how he made $100 million, right, a hundred million dollar contract, but, you know, just doesn't have money, which I can understand how people like me don't have money because I have, like, issues and I'm a dipshit. but I feel like even if I had made a hundred million dollars, I'd still have money. But let's take a quick little break here and let's play this audio. Let's learn how O'Dell Beckham Jr. somehow squandered $100 million. At Fandual Casino, you get even more ways to play. Dive into new and exciting games and all of your favorite casino classics, like slots, table games and arcade games.

more on FanDuel Casino. Download the app today. Please play responsibly 19 plus and physically located in Ontario. If you have questions or concerned about your gambling or the gambling of someone close to you, please contact Connects Ontario at 1866-531-2,600 to speak to an advisor free of charge. All right, here we go. So this is Odell Beckham. He is on, oh, he's on the podcast with the doofist Ryan Clark. I'm sure Ryan Clark will apologize for something from this. But he's on with Ryan Clark explaining how a hundred million dollars actually works a hundred million dollar contract in the NFL how it actually works I don't have a dollar in my account right here today as we speak I'm going to be straight for the rest of my life no question right

I don't think everybody is in that and when you've sacrificed your whole life to get here and you're like yeah I play 10 years in the league and I always explain this to people like bro you give somebody a five-year hundred million dollar contract right what is it really it's five years for 60 you get in tax due to my house that's 12 a year you know that you have to spend use save save invest flaunt like whatever however it just being real I'm a buy a car I'm give my mom my house I'm gonna do everything costs money so you if you spending four million dollars a year that's really 40 million over five years eight a year

you know and now you you start breaking down the numbers it's like that's a five-year span of where you're getting amen can you make that last forever yeah you always hear the people who ain't us and ain't been in the position like oh well that would last lifetime well that my problem if i don't have a dollar here's my problem all right my issue is and i can hear it in that guy's voice and i can hear the way he's explaining that because i have to explain my issues away to people and try to make it sound like dumb shit that I've done makes sense and explain why I don't have anything. Like, let me put it this way.

So look at my life, right? I at one point, when I was at 790, that was the most money I was ever making at a given time, right? I had gotten Charlie Polillo's contract that just gave me what he was making, and it was a lot, like it was a ton of money. It was the most I'd ever made, and I gave 60,000 of that to Jim. And someone judged me for that once, and they were like, oh, how did you? dare you say you paid Jim well I did because they weren't going to pay a producer so I said all right instead of giving me which I think at the time was over three bills um I was like well give

like 60 of that to Jim because I think he was making 40 or 50 or something like that at 610 I forgot what he was making I said give him more than he was making there so they took that out of mine and then we gave jelly whenever we brought her on I think I had to take that out of mine as well because it was basically it was the the budget if you will for the show. And I think that that budget was over 300,000, okay? So I was making that, and that doesn't include bonuses, and that doesn't include endorsements and all that. So, I mean, I was having some good runs there for a couple years. But just base pay, I was making a good amount, and I was in Houston. I forgot how much I was getting every two weeks, but it was a good amount of money

every two weeks, like a lot of money every two weeks. And I was making. And I was making enough where I could put away, I think every month I was saving, just throwing into an account like $3,000 or $4,000 a month. To the point that when I eventually got whacked, I had $40,000 something just saved, just an emergency fund that doesn't include like in a 401k. Like I was doing very well. And I'll be honest with you. And the reason why I was able to do well is I wasn't betting on sports or anything like I wasn't just throwing away money on dumb shit like back then I didn't really spend money on dumb shit like I told you once that I like I got a big check and I went over to see mattress mac and I just with cash bought new furniture like that was a cool thing or I bought

my dad and the whole family dinner on New Year's Eve and that was you know a thousand dollars or something like that but I was able to do that and that was pretty badass you know where I did myself in and I'm not dying or anything like that but where I did myself in and I don't have cash. is that I just started throwing my money away on dumb shit. COVID kind of got me a little bit, and I had to get into my savings a little bit. But then, like, there were a lot of dumb things that I did that I should still have money that I can live off of from that stuff. Now, mind you, I didn't buy a house.

I was renting a house. I didn't have a car. I drove a car for free. Like, there were different factors. But even with the money I had, if I wouldn't have been as irresponsible and done the dumb shit I did with a lot of the gambling shit and a lot of the gambling shit and a lot of of the other stuff, I would be fine still. I could sit here today and be totally cool. Like I wouldn't say I'd be like living off of that forever. I would need a job. But like I, I, like, I don't want to

give my, like, blame myself too much because there's an element of it that is my fault. But then, you know, I, you know, the COVID came around. But even then I was still making money during that time and I, you know, I ate into my savings. There were a bunch of factors in it, okay? But I was doing very well. And if I would have been smart with the way I handled things and did things differently, I still probably could have a lot of what I had then and could have added to it, but I didn't. And I make a lot of excuses for that with people and try to explain to people like, well, you know, when you do this and then like this costs this and the rent does this, look, you put yourself in your own situations, bro. So to the point about O'Dell, like let's say

that O'Dell buys his mom a house. Isn't that wrong with buying your mom a house? That's a cool deal. Buy your mom a house. You're a hundred million dollar athlete. Buy your mom a house. How expensive is your mom's house? Like, does your mom need a mansion? Do you need a mansion? Like, for you to basically be broke with a $100 million contract, you have to be living well beyond your means or just living so irresponsibly that, like, you go broke, basically. That's how all those guys go broke. When you watch that documentary where it was like Bernie Kosar and Andre Risen and all these guys that signed these big contracts and went broke, the issue that a lot of these guys run into is all the things they buy, they could buy those things at one tenth the cost

and one tenth the size, but they refuse to do it because you're obsessed as he put it in there with the lifestyle and you want to, you know, you want to spin lavishly and you want people to think you're big shit. That's your problem. My problem was that I just bet on sports too much and before you know what, I've thrown away thousands of dollars and I'm a dip shit and I've made those mistakes. That was probably my biggest mistake, right? I can acknowledge my biggest mistake. You know, that I just sat there and I just would throw money away. I didn't, like, and I still don't. Real talk?

I don't spend a ton of stupid money on, on material things. Like, every now and then I'll spend a little bit on some, you know, something at the store, whatever, something online or I'll buy. But very rarely do I buy, like, dumb shit. The problem is I've spent thousands upon thousands of dollars gambling on sports over the last decade, and that's where I fucked myself. But, like, that's on me. That's my fault.

If I don't do that, I'm probably still sitting around. Okay, but I, look, I just, I'm stupid and I've made mistakes. The issue I have with Odell, when O'Dell is sitting there trying to say shit like, oh, well, you know, you know, you got to live the lifestyle. Your mom needs a house. Your mom needs a car. Does your mom need like a 10 bedroom mansion? Does your mom need a million and a half, $2 million home?

Or could your mom live on a $300,000 house? Could your mom live off of that? Like, I'll tell you this, the house that I grew up in when I was in high school. I forgot how much dad paid for that, probably $300,000. Hell of a nice house. Swimming pool. four bedrooms nice place big backyard you want to tell me that odell beckham junior's mom can't live in something that's cheap you want to tell me that she has to drive a bins instead and i'm not trying

to go all like dave ramsie on you here but like i'm not someone that needs a fancy car i've never needed a fancy car even if i made millions of dollars i don't need a mazorati i don't need a jag now maybe if i had millions of dollars maybe i'd get a taste for it and i'd say well since i have it why not here's a Maserati. All I know is I don't give a fuck about cars. Cars don't interest me. Mansions don't interest me. That's why I'd be in pretty good shape if I ever got rich, other than the fact that I'm a degenerate fucking gambler. Other than that, I'd be pretty set because I don't care about living in a mansion. Like material shit doesn't phase me. Like I don't care what people think about me. It's like I don't care about the status that I fucking have.

I have me, my wife, and a dog. Do you think I really need to live in a five, six, seven bedroom house? I'd like a nice house, a little swimming pool action, you know, and if I ever did get rich to that point, I'd say, hey, maybe get me a steam room or something, because I'd like to have a little steam, a little jacuzzi. Hey, you know, if we ever get real stupid with it, let's put a bowling lane in the fucking house. I don't know. But I'm never in a position or never think about being in a position where I need to go. You know what?

I need to have a seven-bedroom house. I need an eight-nine bedroom house. I need a mansion. And the fact that people do that, no one needs that. Now, granted, if you just want to blow the money, it's your life. But people do that because they're too concerned about what other people think about them. They are too concerned about living the lifestyle. I don't feel bad for Odell Beckham.

And there's no lecturing or no explaining you can do to me to make me understand how $100 million can go that fast. Now, okay, I do understand that when you see $100 million, it's not always $100 million. And yes, there are taxes and there are other factors. Well, let's just say you bought your mom a house in cash. I don't know how your mom grew up or how you grew up. I don't know O'Dell's whole back story. I should, but I don't. But I feel like your mom would probably be pretty content

with a $250,000 house. And I don't even know, I don't know where his mom lives either. I know she's in Louisiana or wherever. She could live in a $300,000 house. I'd like to know how much money O'Dell Beckham spends on his mom's house, his house. And then the other problem is I get that you want to take care of family members and family members feel like you owe them and that's where the hard part really comes in. Like I've seen it with my dad.

My dad takes care of people, gives them money, and he's done it forever. For as long as I've known my dad having money, he's always been the guy that people came to for money and said, hey, can you know, can you send me 500 bucks? I get it. I've seen it. I've lived it. I've watched it. And that's on a much smaller scale.

But, man, I can't sit there. Like, there's nothing you can do to make me wrap my head around a $100 million contract and then basically you're broke. I can't do that. Let's listen to this again. In my account right here today, as we speak, I'm going to be straight for the rest of my life. No question, right? I don't think everybody is in that.

And when you've sacrificed your whole life to get here and you're like, yeah, I play 10 years in the league. And I always explain this to people like, bro, you give somebody a five-year, $100 million contract. Okay, let's start there. Five-year $100 million contract, bro. Okay, let's operate there. What is it really? It's five years for 60. Also, I get that you have to pay agents part of what hurt me.

When I started making money again at Casey and I signed that deal there is I had to pay a very good amount of money to my agent every fucking month. So that part of it I get. What these dudes need to do is learn how to negotiate their own deals and keep their own money. And some of those guys do that. Not all of them, but some of them need to learn how to do that because agents, especially in this era, are the biggest fucking waste of money. You're getting tax. Dude them out, that's 12 a year, you know, that you have to spend, use, save, save, invest. And then I hate guys like Ryan Clark and this dude doing the show with him.

We're like, yeah, it's real tough. Bullshit, bro. Ryan Clark, you didn't make $100 million, but you don't seem to be hurting. Flunt, like, whatever, however, just being real. I'm a buy a car. I'm going to buy a car. That's your biggest mistake. Like, why do you need to flaunt that?

Like, why? Like, I'm not saying don't go out and enjoy yourself and do shit like that. But why do you need to flaunt it? Like, that's your problem. That's all I need to hear is, well, you want to go out there, flaunted. Why? Why do you need to go out and flaunt anything? Like, why is that your first thoughts? Like, hell, now I got money. I got to go out and fucking flaunt it. Why? Why is that your mindset? Like, and I get it. If you come from nothing and then you get money, I get that, dude,

like go out and enjoy your life. The problem is you live in this universe where you have to flaunt it and you have to show off to everybody in this, this fucking lifestyle that is stupid. And I wouldn't be ripping you for this, if not for the idea that I read comments on this and people are like, yeah, man, that must be tough. Fuck that. That's tough is making $30,000 a year and three kids. That's tough. Tough isn't being O'Dell Beckham Jr.

Because you wanted to buy your mom a mansion. Everything costs money. So if you're spending $4 million a year, that's really $40 million over five years, eight a year. You know, and now you start breaking down the numbers. It's like, that's a five-year span of where you're getting $8 million. Can you make that last? If I don't have. You can.

Like, why, like, I don't get it. Like, I don't get why you need to live in a mansion. There are so many dudes that made decent money in the NFL. They probably live down in Houston places like that where there's no state tax, whatever. You live in a nice house in Sugar Land or Mo City or Katie, and you get the house. You have a nice car, but not a car that's going to kill you. And that, like, like, I guarantee you this cat's got a bunch of exotic cars. Who needs them?

now if you're making like like j leno j leno made 30 something million dollars a year hosting the tonight show and he hosted it for damn near 20 something years like 25 years or something like that from 92 to 09 then they knocked him out for like a year and then he came back for another five so i'd say that he hosted the show for 22 23 years off and on right dude made 30 million dollars a year okay that's sick dough on top of the gigs he would do and according to all the stories he would do and according to all the stories and not stories he would say this all the money that he made from the tonight show he just threw in a bank somewhere he lived off of like touring money or some shit he do a couple gig do some gigs every year and that's what he lived off of again so it's not

$8 million a year it's $30 million a year and the dude has some nice cars vintage cars he has all these other shit the little hobbies whatever and that's fine but here's the thing bro if you know that you're only making $8 million a year after taxes and all that shit then live differently. Like, I would love to sit here and make excuses for my situation and why, like, you know, I don't have the money I used to have. There are no excuses for it. Like, when I try to explain it to, like, you know, Martin, my buddy who's an accountant,

like, I have to basically bullshit the guy, right? But, like, I know why I have issues. I know my problem. My number one problem I have had is that I just throw money away betting on sports a lot of the time. And if I just kept it, you know, like low, you know, at low totals, I'd be fine. But then what happens is like, and I don't do it as much anymore, but there was a stretch, particularly when we were in, when we were in Nashville, and I would just get up in the morning, I had nothing to do, I was doing the morning show. And I would just bet on shit, like all day. And before you know it, it's like, oh, I just threw away X amount of dollars. And then the dollar had no value. I would be like, oh, who cares? That's just 50 bucks. And then before you know, you're like, where did all the money go? So I know what my problem is. Two big things happened. I got fired, and then the Rona happened. And I had to start using money to pay the rent and shit out of my savings, which again, if I look back on that, I had six months where I was getting a salary to not work. I could have hoarded basically all that money away, at least half

of it. At the time, I think when I got fired, I was getting like every two weeks like six grand or something like that. But where did it all go? Like I look back on that and I'm Josh, what the fuck did you do? You know, like what did you do with yourself, you dip shit? Like what are you thinking. And so then when I hear things like, you know, like this, like Odell Beckham, you know, it's really only $8 million a year. There are people that find a way to make do on $30, $40, $50,000 a year with multiple kids and everything else. You couldn't figure out how to survive off of $8 million. Your mom needs a house. Everybody, family needs a fucking car. Tell them to fuck off. They'll get their own car. Tell them, here's what I'll do. I'll get you down payment on a

car. You pay the fucking note. And I know it's easier said than done because I know that you got a lot I have hangers on and people that want shit from you. I get it. But man, don't come to me with this bullshit. Don't come to me with, man, well, really, my $100 million is actually $60 million, and that $60 million is actually like $8 million a year. Then what do I do? I don't know.

Figure it out. I'm sure you've got other forms of income, too. I'm going to guess you have endorsement deals. I'm going to guess there are other things you're involved in. Like the thing that he said in there that stood out is you want to flaunt it. That's your mistake. Like, I'm not someone that cares about flaunting money, like bragging about money, getting a fancy car. I go buy a fucking used car.

Like, I don't give a shit. Cars mean nothing to me. Now, if I got rich, maybe they would. I doubt it. Like, I don't look at cars and get turned on by cars. Maybe I'd buy a DeLorean, just to say I fucking have a DeLorean. That would be the extent of my car purchases. You know what I miss?

I miss having a truck. I miss being able to get it. It's been years since I've driven a truck. The last time I had a truck was when I was driving in Houston. And I guess that would be it when I had the endorsement deal at $790 for a truck. That is the last time I drove a truck. And I cannot tell you how much I miss that. That's like a motivating factor for me.

I miss my truck. That's it. You know, but I don't need to live in a mansion. Like I lived in a night. Like, you know what I'd like, again, if I had a dream scenario, I'd like to have a backyard. I'd like to have an outdoor kitchen. Like these are the things that I would say, you would say are expenses, but they're one-off type of deal. that if you're rich, it doesn't matter.

But I'd like to have a nice smoker, outdoor kitchen, patio with a little overhang, fan, pool. Like, that would be my dream. That is my dream I'd like to have. Preferably in a place where it's warm most of the year, and in the winter it's mild. Like, that would be my fucking dream. You know, my dream isn't, oh, shit, I just got rich. Let me go buy 75 chains and eight cars and flaunt this shit.

The idea of flaunting that shit, and I'm not trying to go all Dave Ramsey on you here, but that's so fucking stupid. So when I hear this from Odell, it's like, oh my God, like really it's only 8 million. Oh, it's only 8 million. How boy, your life's really fucking difficult, jeef. Anyway, more to come.