One of the issues I discussed with my son when he was in HS was the risk one takes where injury so easily ends one's athletic dream and it often hit home when he saw players ahead of him having injuries taken them out. So he set a rather high price to keep him from getting the college experience he felt he wanted too (though playing pro-ball was his top priority). "Life Changing Money" might be defined by some as assuring that a college education (4 years that can cost over $250,000) is paid for. . . ???