Here's a statistic that may shock you: 78% of NFL players declare bankruptcy within five years of leaving pro football. In this video, Austin Smith offers two lessons from this sad statistic: Spend less than you earn -- much less, in the case of professional athletes, who have a short window for earning big paydays --  and have patience in building your wealth. While we may dream of a big payday, chances are we'll have to slowly accumulate wealth.

For more details, including how Warren Buffett figures into the equation, check out the video.

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