Continue playing until his 30's, make a lot of money, and suffer pain and disability for the remainder of his life in addition to constantly diminishing mental

Continue playing until his 30's, make a lot of money, and suffer pain and disability for the remainder of his life in addition to constantly diminishing mental acuity - or - retire now to pursue a PhD and be healthy, earn a living that could possibly meet his football earnings but more likely, keep him comfortable, and be able to use his mind for the rest of his life. Plus, he has a much reduced chance of losing a $150,000 earring jet skiing. I think he made the correct choice.