I can remember when players took off season jobs to survive. I remember going out to lunch with Ron Kostlenik every two to three weeks, when he was selling industrial supplies. It was before he actually owned a business. Like he said then, "You need it to feed the family. Football doesn't pay well enough to allow you to buy a home and get set up for the rest of your life."
I also dealt with Don Kessinger, who played with the Cubs. He worked with my bank. Met him for the first time when he was at work there, and a bomb threat was called in. I arrived and took over the scene, and stayed inside, ushering everyone out, through a security check. Got to talking to him when I went outside, after the bomb squad arrived. Had a nice conversation, and we ended up doing lunch quite often during the off season for a couple of years. Nice guy, and he too said you needed a second job to put enough away for after you leave the game.
That's just two, in two different sports. How things have changed.