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It depends what you mean by “not worth it.” If you are a guy with a medical degree, sure, not worth it. But do you think Chiesa or Felder made a mistake? The key in my view is to map out a career for yourself. Podcast, broadcaster, are the two obvious extensions of the fight gig, and a gym can work too but is a little riskier IMO.
Agree with you that you can’t just fight a couple times a year and think that’ll be sufficient to retire at 37 and never work again. I hope a guy like Barboza or Cerrone who fought all the time and reliably entertained has banked enough to live off of. Frankly it should be totally doable for those guys, although I recognize that it’s not easy to strike the right balance between spending and saving when you’re young and your income is variable. Most of us see our earnings grow over time, and even if we don’t plan we can just spend what we’re able to and it’ll work out okay.
Felder and Chiesa are among the handful of fighters who get media jobs, Felder in particular. This is something in the course of 1:1000 fighters going through the UFC are awarded.
The UFC is paying out 18% of revenue on average, and we know that to the penny because of court filings in the class action suit. This includes every single bonus, PPV share, the insurance plan, even the performance institute. They are quite literally taking table scraps in exchange for brain damage.
From a risk -vs- reward prospective, it makes a lot more sense to be a career plumber then a UFC fighter for something like 90% or more of the roster. You can't get back the physical damage, including brain damage, and you are all but guaranteed to be paid out pennies on the dollar.