You signed. Now plan the four years like you planned the recruitment.

Recruiting came with a playbook. Camps, film, visits, the list of schools, the follow-up emails. Your family worked that plan for years.

Then the commitment happens, and the planning often stops.

But the next four years bring decisions that matter just as much, and most arrive before anyone explains them:

• An aid offer that lists loans next to grants, so "total aid" looks bigger than what the family actually saves.
• Rules for keeping aid and eligibility, where one dropped class or a mid-semester withdrawal can cost real money.
• NIL payments that usually arrive with no tax withheld, and a reporting system with deadlines.
• Credit card offers, car payments and a lifestyle that grows faster than income.
• Pitches: a business credit card "to protect your personal credit," indexed universal life "as a wealth plan," a house "your teammates will pay for."
• A career that, for most athletes, will be built outside of pro sports. The NCAA itself says on its homepage that 98% of NCAA student-athletes go pro in something other than sports (NCAA, https://www.ncaa.org/).

None of these decisions are hard because families aren't smart. They're hard because nobody put them in one place, in plain English, with the sources attached.

Committed is a complete written course built for the athlete and a parent to work through together.

The guide (about 20,000 words, 13 chapters)

1. Your four-year game plan
2. Reading the aid package: cost of attendance, net price, gift vs. earned vs. borrowed aid
3. Keeping your aid: academic progress rules, full-time status, transfers, refund timing, and seven common traps
4. Leveraging the scholarship: academic, medical, mental health, career and alumni resources
5. Budgeting on an athlete's schedule and building the emergency fund first
6. Credit score mechanics, avoiding debt, and lifestyle creep
7. NIL money: reporting, taxes, a set-aside system, and building savings
8. The entrepreneur's advantage: business accounts, business credit cards (including the personal guarantee), entity basics, bookkeeping, tax flow and deductions
9. IUL, honestly: how it works, the fees, caps and surrender charges, and when it's a bad idea at 19
10. Buying property in college: what lenders look for, income documentation, co-signing, owner-occupancy rules, and the risks
11. Career: transferable skills, honest odds, internships, professional identity, and the summer before senior year
12. Family legacy: values, gifts vs. loans, giving back, and the conversations to have
13. Your first 90 days on campus

Every chapter ends with a checklist. Example numbers are clearly labelled as examples. Rules and figures link to the official source, and anything that changes often is flagged so you know to confirm it with your school.

The workbook (9 sections, fill in together)

• Start-Here Snapshot
• Award Letter Decoder
• Four-Year Money Plan
• NIL Budget and Tax Set-Aside worksheet
• First Business Setup Checklist
• Property Purchase Readiness Scorecard
• Career Trajectory Map
• Family Legacy Conversation Guide
• First 90 Days Plan

Eleven short lesson scripts from Brian Kennedy Jr., about a minute of speaking each, one per key idea, so you get the key point in his own words and can read it back at your own pace. The recorded video versions are being added to this same product at no extra cost to buyers, and you will get them in your library when they land. Those recordings are delivered through his authorized AI avatar, the same way the other courses on this site are, and the scripts you get today are his own words.

The curriculum map: an orientation, eight modules and a first-90-days capstone, each with a clear outcome and a "what to do this week" action.

• High school athletes who have committed to a college program, and their parents or guardians.
• Families who want to understand the aid offer before the first bill, not after.
• Athletes who have NIL income now, or expect it, and want a system for taxes and savings.
• Athletes who are curious about business, investing or property and want the honest version first.
• Parents who want a structured way to talk about money and career with their athlete, without lecturing.

• Not financial, tax, legal, insurance or investment advice. It's education that helps you ask better questions of the professionals who can advise you on your situation.
• Not a get-rich plan. There are no promised returns, no "secret strategies," and no income claims.
• Not a sales funnel for insurance, loans or real estate in this course. Brian's day job is in business lending, which is exactly why he explains the lender's side of the property chapter instead of selling you a loan. We don't sell any of those products in this course.
• Not a substitute for your school. NCAA, conference, state and school rules change. Your compliance office and financial aid office have the final word.
• Not a recruiting course. If you haven't committed yet, start with the Recruiting Playbook.

1. Our school will explain all of this at orientation, won't it?

   Some of it, often in a busy week with a lot happening. Orientation covers the school's rules; it usually doesn't cover NIL taxes, credit, business setup or the pitches your athlete will hear. This course gives you a plan to bring to those offices, plus the questions to ask them.

2. My athlete doesn't have NIL money. Is this still useful?

   Yes. Aid, keeping aid, budgeting, credit, career and family legacy apply to every athlete. The NIL and business chapters also help if income shows up later, when there's less time to learn.

3. We already work with a financial advisor. Why do we need this?

   Good. Keep them. This course helps you understand the vocabulary and the rules so your conversations with an advisor, a tax preparer or an aid counselor are faster and sharper. It doesn't replace any of them.

4. Isn't IUL a good way to build tax-advantaged wealth? Why does the course sound cautious?

   Because the course explains what the policy is: life insurance, with fees, caps, surrender charges and lapse risk. For some people with a real insurance need, it can fit. For many 19-year-olds without dependents, other steps usually come first. We show you the questions to ask so you can decide with an independent, licensed professional.

5. Can my athlete really buy a house with NIL money?

   The chapter walks through how lenders look at income, what documentation they typically want, what co-signing means for a parent, and the occupancy rules on certain loans. Most families will finish it with a clearer "not yet" and a plan to get ready. That's a good outcome, too.

6. Is the information current? Rules change constantly.

   They do. Every rule and figure links to its source. The date each source was checked is listed with it in the sources log that comes with the course. Items that change often are flagged for you to confirm with your school, the IRS or a licensed professional.

7. We're not a Division I family. Does this apply to us?

   Most of it, yes. Aid, money, credit, business, career and legacy apply at every level. The NIL reporting rules in the course focus on Division I, and the guide points Division II and III families to their school's compliance office and state law.

8. Why should we trust The Ballers Kingdom on this?

   Brian Kennedy Jr. played Division I soccer at Providence College, where he won two BIG EAST championships, the 2014 tournament title and the 2016 regular-season title. He played on the 2014 Final Four team and the 2016 Elite 8 team. He earned his M.Ed. in Education Administration, Guidance and Counseling and has built The Ballers Kingdom since 2019 around helping athletes grow beyond the game. He was named a California 50th Assembly District 30 Under 30 in 2024.

Here's what we can promise, and what we can't.

What we can promise:

• Plain-English explanations, with the official source linked for every rule and number we state.
• Honest coverage of the risks, including the products and strategies people will pitch to your athlete.
• A clear set of worksheets that turn the reading into a written plan your family owns.
• If we learn something in the course is out of date or wrong, we'll correct it, and you'll get the corrected file in the same place you downloaded the course.

What we can't promise:

• Any amount of aid, NIL income, savings, credit score, property value, job offer or pro contract. Your results depend on your school, your choices, the market and rules we don't control.

Refunds: All sales are final. This is a digital course, so once you buy it you have the guide, the workbook, the curriculum map, the sources log and the eleven lesson scripts immediately and there is nothing to return. Please read this page and the course description carefully before you buy, and email info@ballkingdom.com with any question about what is inside before you purchase. If a file will not open, a download is broken, or what arrives does not match this page, email us. We will reply within five business days and we will fix it or get you a working copy. If we cannot put it right, the law gives you remedies that do not depend on this policy, and our terms of use set out exactly what they are.

Nothing in this policy limits any right you have under consumer law that cannot be excluded. For buyers in the UK, that includes your right to digital content that is of satisfactory quality, fit for purpose and as described, and your right to a repair or replacement and then a price reduction if it is not. For buyers in the EU, that includes your right to have the content brought into conformity, to a proportionate price reduction, or to end the contract and be repaid what you paid. Those rights are separate from the cancellation right described below, and giving up that cancellation right does not affect them.

Who is buying: the checkout asks you to confirm that you are 18 or older, or that a parent or guardian is completing the purchase and agrees to these terms. If the athlete is under 18, the parent or guardian buys, and the whole household uses it together.

Consent at checkout: because the course is delivered immediately, the checkout asks you to confirm that you want access right away and that you understand you will lose your 14-day right to cancel a distance purchase once the download begins. Neither box can be left unchecked. Checkout will not complete until both boxes are ticked.

If you are buying from the UK or the EU and do not want to give up that right, do not complete the checkout; write to info@ballkingdom.com first and we will answer your questions before you buy.

The Ballers Kingdom (Ball Kingdom Coaching LLC) provides education only. This course is not financial, tax, legal, insurance, lending or investment advice, and Brian Kennedy Jr. is not acting as a licensed financial advisor, tax professional, attorney or California real estate broker. Indexed universal life is a life insurance product, not an investment, and isn't suitable for everyone. NIL, NCAA, conference, state and school rules change; confirm with your compliance office. Financial aid rules vary by school; confirm with your financial aid office. Property and mortgage content is general education only. Nothing on this page is an offer to sell insurance, a recommendation of any specific policy or carrier, or a promise of any particular result. This course isn't affiliated with, sponsored by or endorsed by the NCAA, the College Sports Commission, any college or conference, any lender, any insurer or AmPac Business Capital. Brian's role at AmPac is part of his own story and is not an offer of any AmPac product or service.