Welcome to the Official NFL Power Rankings! From initial odds stacked against a full season to a successfully completed week 17, please take a second to reflect on these great months of football. We'd like to thank everyone involved with making the unlikely a reality, and also all who read and contribute to these ever improving rankings. 18th try is the charm, right? Discuss! 30/32 reporting

#	Team	Δ	Record	Comment
1.	Chiefs	--	14-2	Somehow, the Chiefs found a way to meaningfully lose in a game the outcome didn't matter in. Willie Gay Jr, Rashod Fenton, and DeAndre Baker all got injured with the first two players having significant roles on the offense when the starters are playing. Baker, who was a major part of the Chiefs' plans in the secondary in 2021, also broke his leg. On the positive sign Chad Henne got his first TD in 6 years and Darwin Thompson had a nice day for himself. The Chiefs now will wait and see who they play from wildcard weekend and will need to bring their A-game in a tough AFC to repeat as champions.
2.	Bills	--	13-3	The Bills starters played the first half of this game, with backups getting the second. They each put up 28 points. Miami put up 26 in the whole game. Talk about an extra shot of confidence heading into the playoffs. A 56 point outing is huge against any team, but Miami came in with the number one scoring defense in football (although it didn’t help that the Dolphins offense couldn’t stay on the field). This is a team that isn’t just winning games, they’re blowing people out. If you’re any other team in the AFC, the Buffalo Bills are just about the last team you wanna see right now. There could be a deep playoff run in store, and for the first time in 30 years, Marv Levy’s words are again relevant: where else would you rather be than right here, right now?
3.	Packers	--	13-3	We may have lost Bakh, but didn't seem to hinder the Packers too much in Chicago. 1 seed is clinched, Davante Adams clinched a share of the franchise receiving TD record, and Rodgers all but clinched his 3rd MVP. The NFC runs through the Frozen Tundra this year.
4.	Saints	--	12-4	The Saints head to the playoffs for another year, with efficiency being the key measure of success for this team. A top 5 defense in every yardage and scoring metric has done its job while the offense has used the ball well to keep the scoreboard ticking over. Season 2020 has so far been a success for the team, but as every Saints fan knows, the bounce of the ball is what matters in seeking the Philosopher's Stone of the Lombardi Trophy.
5.	Seahawks	--	12-4	Might be sounding like a broken record at this point, but maaaaaan this team needs to improve on offense. It's the playoffs, and this team is certainly capable of getting hot and going on an epic postseason run, but it's gotta see improvement on offense. Russ hasn't been the same, throwing 28 touchdowns in the first 8 weeks of the season, opposed to 12 in the final 8. The defense has seen major improvement, able to generate pressure and get to opposing quarterbacks as of late. With weapons on offense that include the duo of DK Metcalf and Tyler Lockett, a sputtering offense is simply inexcusable. Hopefully the Seahawks can put things together and end the Rams season tis weekend.
6.	Ravens	+1	11-5	404 yards is the fourth most for a single-game, team-wide. Lamar Jackson is also the first QB with two 1000 yard rushing seasons. The team is rolling over bad teams and can run against bad defenses. Defense better get healthy in time for the playoffs, because there's 3 offenses in the playoffs that have already hung 34+ on this team, and another one will definitely be able to cross that threshold. Can Lamar finally win a playoff game? Harbaugh's Ravens are always good on the road...
7.	Buccaneers	+1	11-5	Any talk of a close game was thrown out the window when Atlanta gave up a healthy 21 points in the fourth quarter. Concerns of Tom Brady's arm staying effective late into the season are louder than ever, as he failed to throw for 400 yards for the 17th time this season.
8.	Steelers	-2	12-4	Unfortunately for the valiant, upstart Dolphins, the Steelers decided to send Mason Rudolph out there to the Dawgs. Somehow, in classic 2020 fashion, the Steelers had a chance to send the game into overtime, but fell short. It was a familiar sight for Steelers fans to see that the team can fall way behind and come back regardless of who is at QB. And lose. Or not. Who the hell knows? Playing Cleveland in back to back weeks looks like exactly what the team wanted. But be careful what you wish for...you just might get it.
9.	Titans	--	11-5	On Sunday, the Titans became the first NFL franchise to have two 2,000 rushers (and only franchise with 3 over 1,900) with Derrick Henry's 250 yard performance in the franchise's original city. Every game moving forward will be a question of the offense outscoring a turnstile defense.
10.	Colts	--	11-5	The Colts are in the playoffs, and though a tough trip to Buffalo awaits it's hard not to feel optimistic as a fan. The coupe de grace of this crazy season was the redemption of Jonathan Taylor, a player prematurely written off as a bust after a few weeks. Even Derrick Henry gave props to the player who put the team on his back and carried the Colts to victory on Sunday. After everything this year and amidst the ongoing pandemic, one is reminded is that sports boil down the big challenges in life into discrete, relatively meaningless objectives. We all have points in our lives where people doubt us. With fortune, we're given an opportunity to prove those people wrong. It's just in sports, sometimes you can do that by literally running the doubters into submission. The future is bright, one has to believe.
11.	Browns	--	11-5	After almost two decades, the Browns playoff drought is over. With the first 11 win record since 1994 the Browns will face the Steelers again in a Sunday night Wild Card match up. Playing Pittsburgh in back to back weeks looks like exactly what the team was going to have to do, and the are ready. Go Browns! COVID UPDATE: GODDAMN IT!
12.	Rams	+1	10-6	The Wolf of Ball Street, John Wolford, was a breath of fresh air with his mobility, but the result of any QB controversy might not be the cure to an anemic offense that has failed to score a TD since week 15. It’s the defense that got them to the playoffs, and it will have to be the defense again to win a playoff game. If the offense can get back to earlier season form, the Rams have a chance to make a run.
13.	Dolphins	-1	10-6	The Dolphins are a good, but flawed team, however with the third pick in the draft, they're in a prime situation to fix those flaws in 2021. The year ended poorly, but they finished better than anyone expected for the 2nd straight season, and going forward playoffs should be expected from this team for the next few years. The Dolphins have a lot to look forward to and a lot of reasons to believe that things will work out.
14.	Bears	--	8-8	The Bears' "resurgent, job-saving" offense scored an impressive 16 points. Trubisky went 2-7 with one INT on pass attempts of more than 6 yards; the offense scored one touchdown in five red zone trips; and an Amber Alert went out for Allen Robinson who went missing during the game.
15.	Cardinals	--	8-8	Sure the Cardinals improved in 2020, but the regression really showed in the second half of the season. There will be a lot of questions in the offseason regarding just how they missed the postseason and the blown opportunities. They wouldn't have done much in the postseason anyway and should be asking themselves how to position themselves to be ready next year.
16.	Raiders	--	8-8	In the only meaningless game of the year the Raiders beat the Broncos after going for and converting a 2-point conversion, the same way they lost to the Broncos at the end of last season. The Raiders finish 8-8 this season, bringing the Raiders non-losing season total up to 4 since the 2002-2003 season. As always, there's always next year.
17.	Washington FT	--	7-9	Well, The Washington Football Team is king of trash mountain and while they're NFC EAST champs at 7-9 they don't need to apologize to anybody. If they maintain the level of play they put on the field during their 4 win stretch and 5 out of their final 7 they can play with anybody. Their biggest issue however remains their offense and Alex Smith's lack of mobility. 17-20 points won't get it done against the offensive powerhouses of the league. Despite the still existent flaws, Ron Rivera in one year has done so much to change the culture and bring some respect back to this franchise and who knows what they could accomplish over the course of his tenure. And as a cherry on top, Chase Young came up big again in the most important game of the season cementing his Defensive Rookie of the Year status.
18.	Vikings	--	7-9	Justin Jefferson broke the NFL record for rookie receiving yards, with his final 133-yard game putting an exclamation mark on a year where he ranks first among all WRs in DVOA, second in PFF grade, second in yard per route run and first in yards over expected. A 7-9 finish for Minnesota is undoubtedly disappointing, but Jefferson and the rest of the Vikings' rookie class, together with hope for better injury luck, give Vikings fans plenty of reason to be more optimistic heading into next year.
19.	Chargers	+1	7-9	Facing KC's backups on the grounds of Arrowhead Stadium, the Chargers took their last game of the 2020 season and ran away with it, coming up with their 4th straight win and finishing the season at 7-9. Justin Herbert has now broken too many records to count, and came up just short of the rookie season passing yards record. Very safe to say he's going to win OROY and now has to focus on continuing to improve in the coming seasons. There were about an equal number of bright spots and big problems this season, but something that can be said for sure about this team is that it continues to be very close to dangerous but is still missing the right stuff. Potential moves in coaching, free agency and the draft will attempt to find the answers the Chargers need as they prepare for a playoff push in 2021.
20.	49ers	-1	6-10	Squandering a 10 point lead to lose to the Seahawks puts an end to this tumultuous season for the 49ers. Heading back to the Bay area after injuries and exile defined this season, more changes loom as their Defensive Coordinator takes head coaching interviews.
21.	Patriots	+2	7-9	The 2020 Patriots campaign ends on a hopeful, but uncertain note as we are reminded that sweeping the Jets remains one of life's great pleasures. For 2021, the Patriots are headed into offseason in rebuild mode once again, and seemingly with a new face at QB for the second year in a row. 7-9 is pretty disappointing after recent Patriots' success but with FA losses, opt-outs, Covid scratches and some close ass losses the 2020 Patriots fought hard, wringing every last bit out this roster. Watching the Playoffs without the Patriots is a bummer we pray will be rare.
22.	Giants	+3	6-10	In a season full of highs and lows, most Giants fans can walk away from 2020 feeling better about their HC than they have in a long, long time. That said, they have nobody to blame but themselves for missing out on the playoffs. Giants fans everywhere will take the feeling of beating the Cowboys over a higher draft pick 10 out of 10 times. Now we look forward as the team tries to build up this offense to once again become truly competitive.
23.	Panthers	-1	5-11	The Panthers finally did it: they pulled Teddy Bridgewater. Of course, Coach Rhule said that it was due to an "ankle injury" (though, according to the NFL, teams are required to send a medical update to the media if there is an injury to player, and the Panthers did not do so for Teddy), we finally got to see XFL legend PJ Walker play... And man, was he awful. He ended up throwing 3 INTs, and managed to look even worse than that stat-line. All of that is bundled up in the fact that we're now looking at teams interviewing Joe Brady, our OC, for their HC job and we dropped to #8 in the Draft because of a meaningless win against Washington. This was one of the most frustrating seasons as a Panthers fan, and I only hope that we can continue to #KeepPounding from here.
24.	Cowboys	-3	6-10	If you watch Sunday backwards, the day went good, but not great, for the Dallas Cowboys. After Washington locked up the division, losing the game against the Giants netted them 3 or 4 draft slots. All in all, though, this season is just like that horrible trainwreck of a on-man play that a friend from college put on: they invited you, and you agreed to participate but didn't know what you were getting in to, and then once you showed up you couldn't leave, because you were committed, and now its finally over, and you're just so relieved. Dallas got a good look at their roster, and their depth, and what they could scrounge up odd the street in October at a lot of positions, and hopefully can use that data to make smart decisions in the spring. Finally, and most importantly, why haven't they paid Dak yet? It's been allowed for like 18 hours at the time of writing this!
25.	Falcons	-1	4-12	Hopefully 2021 is the year Blank realizes announcing "Falcons for life" isn't effective in contract negotiations. There are major questions heading into the offseason, but any new coach might find more answers on this roster than realized. Fortunately, Raheem Morris doesn't count. With a top 5 pick for the first time since Matt Ryan was drafted in 2008, there will be room for difference makers on this team even with a subpar cap situation.
26.	Broncos	--	5-11	Time is a flat circle. Week 17, Broncos hosting the Raiders. All comes down to a two-point conversion. The Raiders choked it last year, the world went down a dark path. Perhaps things going opposite this year will lead to a brighter tomorrow? Stay tuned.
27.	Texans	+2	4-12	There's a solid chance this was the last time fans will see JJ Watt take the field for the Texans, and that's just depressing. This season has taken a lot of out everyone, and there doesn't seem to be a hell of a lot to look forward to this offseason as the folks off Kirby Drive will have to compete in a very active HC/GM market, with no guarantee of success. As with all Americans, Texans fans will look to the new year with a glint of hope, however misplaced that may end up being.
28.	Lions	+2	5-11	293 yards and 3 TD's from Stafford, 2 that went to Marvin Jones Jr (and a third that was called back thanks to a controversial call), and 3 sacks on Kirk Cousins. Although the Lions lost the game, the players were having fun. Rookies Quintez Cephus and D'andre Swift both are getting more comfortable in their roles; becoming more sure handed and running powerfully. Will Stafford resign a long term contract? Will Golladay? Will Marvin Jones Jr? Fuck. Whatever the future is for the Detroit Lions, most fans would agree that the franchise is slowly heading into the right direction.
29.	Eagles	-2	4-11-1	Someone once said, "You can't purposefully lose a football game on primetime television" to which Doug Pederson rolled up his Croft & Barrow sleeves and said, "Not with that attitude you can't."
30.	Bengals	-2	4-11-1	In two games against the Ravens the Bengals had a -59 point differential, in 14 games against everyone else they were -54. A humbling end of the season, but it looks like the Bengals will be bringing head coach Zac Taylor back for a third year. The Bengals hope that several assistant coaching changes, upgrades to the offensive line, and a healthy roster will be enough to make the Bengals more competitive in 2021.
31.	Jets	--	2-14	In what was news to ~~coach~~ Mr. Gase and literally nobody else, the season ended with making medicine ball heave Newton look like an MVP again.
32.	Jaguars	--	1-15	Disaster. There simply isn't a more apt word to describe this hellacious season. Occasionally the team would show a glimmer of being a professional sports team, but it'd quickly fade as mistakes and lack of talent piled up. Now the jobs are piled next to the draft picks. Hopefully whoever next is brought in to run the show can start to make things... well, less shit.

Analysis of My Tennis Results Over the Last Two Years and How Betting Lines as Early as Possible More than Doubled my Returns

Official r/NFL Week 12 Power Rankings

As Week 12 finally rolls to a stop, we look back on another odd week with football played on four days. Will the overreactions stop? Will rankings ever be on time again? Discuss! 31/32 Reporting

#	Team	Δ	Record	Comment
1.	Chiefs	+1	10-1	Patrick Mahomes and Tyreek Hill were on another level in the first quarter against a good Bucs defense. The two connected on seven passes for 203 yards and 2 TDs in only 15 minutes of play. The offensive explosion from the first quarter proved to be just enough for the Chiefs to hang on after a late Bucs push, in part thanks to Reid trusting Mahomes to win the game. No quarterback is playing as well as Mahomes right now and the Chiefs are coming back to KC to play a dilapidated Denver Broncos next week.
2.	Steelers	-1	11-0	When a game goes from a Thursday to the following Wednesday, there isn't much to say that hasn't been said since this game was talked about to death. Pittsburgh's defense could stop RG3 from throwing, but not running. They needed extra help from his hamstring to do that. Another unknown QB was able to surprise the Steelers with Trace McSorely coming in for Baltimore and looking decent. The Steelers just played bad, though. That said, bad play was enough to overcome a skeleton crew of Ravens.
3.	Saints	--	9-2	After a promising start, the Taysom Hill experiment seemed to hit a speedbump in week 2. In a matchup of WR vs TE at QB, the Saints came in with a plan to pound the ball again and again. That meant demand for Hill’s arm wasn’t as high as it could be - but what was shown wasn’t great. A rematch against a Falcons team which has been quietly building since their regime change will be a better litmus test for a team which thinks it can afford to drop a game or two.
4.	Packers	+1	8-3	Happy Birthday Aarons! Both Rodgers and Jones celebrate their birthdays on Wednesday, and the Bears gave them an early present by getting clobbered on Sunday Night.
5.	Titans	+5	8-3	Derrick Henry ran wild in the first half of the game against the Colts for 140 yards and 3 TDs. In that same half, he surpassed 5,000 career yards. As the year approaches "DHenber", Derrick Henry is making a case for at least a few MVP votes if he stays on pace.
6.	Bills	+2	8-3	Despite three 4th quarter turnovers, the Bills were still able to win by double digits. That’s a big deal. Good teams make mistakes and still find a way to win. If it was still in doubt that the Buffalo is a good football team, that should be put to rest. The Bills might not be top dog in the conference, but they’re a roster built to make some noise in the playoffs. The home stretch should be fun.
7.	Seahawks	--	8-3	Want to take this week to shout out Carlos Dunlap. The Seahawks defense is by no means elite, or even really that great, but Carlos has been a huge addition to the D-line, and the team is getting to the quarterback on a totally different level since he's arrived. After handling the Eagles, The Seahawks look to continue their NFC East gauntlet against the Giants this week. The DK Metcalf/James Bradberry matchup should be very interesting.
8.	Colts	-2	7-4	Guh. For some actual analysis - while the Colts' absences in the trenches certainly hurt, CB Rock Ya-Sin has been hugely disappointing this season. Ya-Sin is a frustrating player who plays well in spurts but makes hideously dumb mistakes all too often. The Packers targeted him last week with success; this week Ya-Sin was luckily overshadowed as his baptizing via AJ Brown paled in comparison to the work Tyreek Hill did on Carlton Davis.
9.	Rams	-5	7-4	5th seed -- right where we want to be! It's all part of Jared Garf's plan.
10.	Buccaneers	-1	7-5	The sports media tends to take mole hill stories and turn them into K2 sized mountains, but in the case of Arians-Brady, these two have meshed as well as BP crude oil on the Gulf of Mexico. The Bucs lost 3 of their last 4 in a tough stretch of schedule that included the Chiefs, the Rams, and the Saints. With a relatively easy schedule to close out the season that includes interim head coaches in 3 of the remaining 4 games, there's an urgency for the Bucs to close out strong to avoid the continuation of a 13 year playoff drought. With a roster as deep as the Bucs have right now, there's little excuse remaining for Licht, Arians, or even Tom Brady.
11.	Ravens	--	6-5	To think that a COVID ravaged roster only need a below average offensive effort to beat Pittsburgh is the closest thing to a silver lining the Ravens will get, as they will need to basically win out to even consider thinking about the playoffs.
12.	Browns	+2	8-3	For the first time in 13 years the Browns will NOT have a losing season. With a shot at the playoffs the Browns will take on the 7-3 Titans and then a key divisional game against the totally healthy Ravens.
13.	Dolphins	+2	7-4	With a sweep of the hapless Jets, the Dolphins finally pull even with them all-time, leaving only 5 teams with a winning record against the Dolphins. In the process the Dolphins became one of only 5 teams to allow 3 points or fewer in a single season 2-game sweep. It's a stark reminder that the Dolphins made the right move in moving on from Adam Gase.
14.	Cardinals	-2	6-5	Belichick won another game against what most would consider the better team, but mistakes give the opposing team opportunities. Arizona is a Hopkins miracle away form 0-4 in the last month
15.	Raiders	-2	6-5	After the abysmal performance in week 11, the Raiders look to rebound against the Jets this week. If the Raiders lose this their playoff hopes will cease to exist, just like their fans wills to live.
16.	49ers	+2	5-6	The team may be homeless, and they may have a historically injury plagued season, but after completing the sweep of the Rams they find themselves in the playoff hunt. For that alone Shanahan should be in the COTY discussion.
17.	Vikings	+2	5-6	Against all odds, the Vikings are still in the playoff hunt.
18.	Patriots	+2	5-6	Defense and Nick Folk won the game, with Cam Newton putting together a redemptive final drive. A messy hard win, but NE will need to improve on offense to achieve a (still possible) playoff berth.
19.	Bears	-3	5-6	Only the most dedicated of Mitch stans needed the reminder that is the Trubisky horror show. The Bears' problems go much deeper than which bad quarterback is starting any given Sunday -- and deeper than who is coaching, who is calling plays, and who the GM is. Unless there are fundamental changes to the entire organization, the Bears will forever be stuck in a cycle of suck and mediocrity punctuated by one or two good seasons every decade. But how can you fire owners?
20.	Falcons	+2	4-7	The defense improved when Quinn gave up playcalling duties. The defense improved again when Raheem took on other responsibilities. A blowout in score only, the most important takeaway is that Atlanta has enough talent in all three phases to attract a competent new regime. Congratulations to Jacob Tuioti-Mariner becoming the second Falcon to win NFC DPOW this season.
21.	Panthers	-4	4-8	As a rookie, Jeremy Chinn just accomplished what no other player in NFL history has done. Unfortunately not even consecutive defensive touchdowns were enough to keep a clutch Cousins & co. from an all too efficient two minute drill.
22.	Texans	+2	4-7	Lions fans, you're welcome. Another poison fruit of the Belichick tree has gone to seed, and there was much rejoicing. On another note, apparently the reason Fuller has been uncharacteristically healthy was PEDs so that's a fun development.
23.	Chargers	-1	3-8	That was embarrassing. That may have been one of the worst coaching jobs by the Chargers in any individual game in recent memory. Buffalo tried to give the game away multiple times and the Chargers still managed to lose by more than one possession. Congrats to Joey Bosa for being the only player ready to go. The Chargers go up against a Patriots team next week who showed that, as long as BB is on the sidelines, they can still win. New England is not in its heyday anymore, but extremely sloppy coaching and playing will not beat them.
24.	Broncos	-3	4-7	I am a Kendall Hinton guy
25.	Washington FT	+2	4-7	At 4-7 and with both Philly and Dallas falling to 3 wins we may be looking at a race to 6-10 between Washington and NY for the NFC LEAST crown. Idk what else to say, I'm just amazed we're getting into December playing "meaningful" football with a chance to host a playoff game despite... everything about this franchise including their record.
26.	Giants	--	4-7	An ugly win is still a win. Firing Marc Colombo may have proven to be addition by subtraction, as Big Blue had their first sack-free game of the year on sunday. The defense gets one of its biggest tests this week as it takes on chef Wilson and sous chef Metcalf. If there's going to be a shootout, I guess it helps to have a quarterback who sounds like he's straight out of a western leading the helm of your team. Godspeed, Colt.
27.	Lions	-2	4-7	REJOICE. GM Bob Quinn and HC Matt Patricia are fired the Saturday after a Thanksgiving slaughter by the Houston Texans. detroitlions says their thanks by donating to Deshaun Watsons charity, as well as spamming the sub with "nEw Hc aND gM tHOugtS?" Interim HC Darell Bevell will hopefully give the Lions the similar spark they had last year with Matthew Stafford was performing high above expectations. It's time to find out if Matt Patricia was holding the OC/DC back, or if the team is just wholeheartedly fucked.
28.	Eagles	--	3-7-1	The Eagles gameplan in a nutshell
29.	Cowboys	--	3-8	In the fantasy series Mistborn, there is a form of magic called feruchemy, where you can temporarily reduce one of your physical or mental attributes and store the difference in a piece of metal like a battery to be used later. You can reduce mental processing speed and store it in Bronze, make yourself weak and store strength in Pewter, and make yourself vulnerable to injury and illness and store health in Gold, all for future use. And honestly, that's probably the most reasonable explanation for the Cowboys season at this point.
30.	Bengals	--	2-8-1	Why are you still reading down this far? There is nothing interesting or noteworthy to stay about the Bengals at this point.
31.	Jaguars	--	1-10	The GM is gone. The head coach is "safe through the end of the season." This is what we came to the big show for, folx. It's tank time.
32.	Jets	--	0-11	Wait, which week was the bye week?

Juicy's First Official 2021 NFL Mock Draft (3 Rounds). Trades At The Top. Pick By Pick Analysis Continued In Comments.

Trades:
Broncos trade 2021 RD1#12, 2021 RD4 #105 and 2022 RD1 for Cowboys 2021 RD1#4
Panthers trade 2021 RD1#7 and 2021 RD4 #102 and 2022 RD4 for Chargers 2021 RD1#5
Jaguars Trade 2021 Rd1#25 and 2021 RD3#66 for Raiders 2021 RD1#25
The 49ers trade 2021 RD2 #47, 2022 4th and Jimmy Garapolo for Patriots 2021 RD2 #46 and 2022 RD6
Steelers Trade 2021 RD2#64, 2021 RD4#128 and 2021 RD7#239 for Seahawks 2021 RD2#58
Football Team trades 2021 RD3 #75 and 2021 RD4 #106 for Seahawks 2021 RD2 #64
Seahawks Trade 2021 RD4 #122 and 2022 RD4 Via Jets for Packers 2021 RD3 #93
Steelers trade 2021 Rd3 #96 and Conditional 2022 Pick (2nd or 3rd) For Jets QB Sam Darnold
1. *Jets*- Trevor Lawrence-QB-Clemson
Sometimes you just don’t need to overthink it. Darnold’s failure in the Garden State wasn’t his own fault but you don’t pass on free, generational QBs like Lawrence. While you can try to get cute and make cases for Fields, Lance or Wilson, you really shouldn’t, especially with the 2021 scheme still TBD. Lawrence has the arm talent, IQ, athleticism, size and character to fit well in any scheme and any coaching staff. His only weakness I see is a reckless streak to force balls to his first option through tight windows. IMO this is simply a result of being more talented than the competition, throwing to receivers more talented than the opposition and having better scheming than the opposition. It should go away with NFL reps. Slam dunk pick. It’s time to bring sunshine to the garden state.
2. *Jaguars*- Justin Fields-QB-Ohio St
For as poor as their record is, the Jags actually have some pretty good pieces to build around. This has to be one of the youngest teams in football and with Coughlin gone, maybe they can actually start bringing in free agents and keeping stars in house. James Robinson, Laviska Shenualt, DJ Chark and a surprisingly good interior O-line lead by a potential all-pro in Brandon Linder give the offense a good baseline to build around. Give Justin Fields some good protection, an emerging young RB who can catch passes, an OC who can scheme first reads into space and a playmaking receiving group and we have a good chance to do something. For my money, Fields is the most accurate QB in the class and arguably the best at grasping route-tree concepts. Like Lawrence, he struggles to come off of his first read at times and for very similar reasons, though in his case it leads to less yolo balls and more tucking and running while second reads run free. He will need reps to come off of this, but in a quick-hitting system with playmakers, he could really hit the ground running.
3. *Bengals*- Penei Sewell-OT-Oregon
This pick is the easiest in the entire draft. Best LT I’ve personally scouted coming out to a team that needs it more than any other team, with an injured 1-1 QB who looked every bit the part in his rookie year. If it were any more obvious, Avril Lavigne would write a song about it.
4. *Broncos Via Cowboys*- Zach Wilson-QB-BYU
Either John Elway’s good will in Denver will be good enough to get him one last shot at drafting his QB, or a new regime will come in and want to draft their own QB. Either way, a new QB is coming, which is exciting given that they actually have some really good pieces on offense. Going with the idea that Elway remains, I can see Elway falling in love with either guy, likely seeing more of himself in Wilson, but Lance likely blowing him away in interviews and more importantly being slightly taller. In the end, while I have Lance rated higher, I think Elway will want to go the perceived safer route in Wilson, who is still a high ceiling player in his own right and has experience playing at high altitudes for BYU. Either way, I think Denver trading into the top 5 for a QB is one of the biggest locks of the draft. Dallas has a plethora of needs, but a healthy Dak Prescott has looked like a top 5 QB in recent years and is simply too good to walk away from. Since I have CB as their top need and Sewell off of the board, it makes sense for them to grab draft capital and still likely land a top 2-3 CB.
5. *Panthers Via Chargers*- Trey Lance-QB-NDSU
With Wilson off of the board, the Panthers pay a slight price to flip with the Chargers and ensure they get their QB. While I have Lance rated higher than Wilson for most teams, I actually slightly prefer Wilson in Carolina if they got their choice, but Lance is far too good to pass on. While Brady may not be able to run his full concept year one with Lance, Teddy’s still tentative nature has held back the offense at times and still lead to too many turnover worthy plays. They will need to slow down the game a bit for Lance if he starts from day one, but they have the pieces to do so. Lance will add a game-breaking dynamic to open up the entire field with his arm, while taking pressure off of CMC and demanding QB spies. This should really open things up for Brady to slowly unleash Lance. They have the pieces to have one of the best offenses in football (and the coaching) if this hits. With so many targets schemed into space and a heavy dose of CMC to make defenses respect the run, Lance’s potential accuracy issues will be muted and he has the ability to drive the ball in ways that help receivers functionally be more open than with a touch passer. They are also perfectly situated to start a cheap Teddy until Lance is ready with a long term minded coaching staff and ownership. Really like this fit and team.
6. *Eagles*- Caleb Farley-CB-Virginia Tech
I could see a case for the Eagles going after Chase here, but with how poor the Eagles secondary has been this year outside of an aging Darius Slay, I can’t see them passing on a talent like Farley. Jim Schwartz likes to put a ton of pressure on his secondary and Maddox/NRC simply don’t have the size or physicality to deal with what’s asked of them. IMO Farley has the highest ceiling of any CB i’ve scouted since Ramsey and similarly has the rare combo of size, speed and football IQ to match up with any receiver or QB in the game. The former QB still knows how to think like a CB and has the ball skills that made him highly recruited as a WR before he transitioned to CB. Farley checks every physical box, every mental box, every playmaking box and is said to have a home run character. If i’m searching for an issue, he can take an occasional miss-step in zone, but Schwartz is famously averse to soft zone. Farley has a bit of an injury history and is still fairly new to the position, but he has all-pro potential, a high floor and is a much needed good fit for this Eagles secondary. They can’t afford to pass on him.
7. *Chargers Via Panthers*- Samuel Cosmi-OT-Texas
The Chargers traded back, acquiring two fourths to make stomaching reaching for a tackle a bit easier. Still they have to do it. They look to have a franchise QB and play-action can only mask so much. The line is simply terrible. Per PFF, the Chargers line ranks as follows: tackles Sam Tevi and Brian Bulaga (71st and 56th out of 78 with Pipkins ranked 77th getting snaps), Trai Turner and Forrest Lamp (81st and 74th of 83) at guard and Dan Feeney (35th of 36) at center. Oof. The only borderline passable starter is a Bulaga at RT who will be 32 next year. With a QB who has wheels and big money tied to a fleet footed Ekeler, I think adding lateral mobility and athleticism to the line is a must. Cosmi isn’t a finished product technically or physically but he has the frame to add good weight while maintaining plus athleticism at the blind side and is used to playing with a mobile QB who will make life tougher on him. He rarely fully loses reps and should provide an immediate upgrade from Tevi, while having an extremely high ceiling. It’s time to change the identity of that line and lean into the play action game that is keeping the offense functional, even if I have Darrishaw rated slightly higher, I prefer this fit.
8. *Football Team*- Ja’Marr Chase-WR-LSU
People seem to be forgetting how good Ja’Marr Chase is after a year off. Justin Jefferson has been one of the best receivers in the entire NFL his rookie year, Terrace Marshall is a borderline round one guy, CEH was a first round pick and yet the most impressive skill player on that 2019 LSU team was Chase. While the Football Team clearly doesn’t have a long term solution at QB, the top 4 guys are gone and I’m not sure they have the skill players or line for a new QB to ever be successful anyways. When your receivers 2-5 are Steven Sims, Cam Sims, Dontrell Inman and Isaiah Wright, you don’t pass on a Ja’Marr Chase. Easily the worst 2-5 in the NFL. Logan Thomas isn’t a top 30 TE either. There are some pieces in DC. McLaurin is a stud and Gibson is everything I hoped he would be. The line has some good pieces, but have two weak links in Martin and Christian that need to be replaced before it can become functional. With a year left on Smith’s deal and 50 mil in cap space, the FT can afford to bring back Scherff, upgrade from Martin and take a swing on a mid round QB. Worst case scenario they go all in on a 2021 QB but actually have the pieces in place for him to hit the ground running.
9. *Lions*- DeVonta Smith-WR-Alabama
The Lions currently have Quintez Cephus and Geronimo Allison as receivers under contract in 2021...that’s it. They have approximately 1.23M in available cap space as it currently stands. I still expect them to figure out a way to bring back Kenny G, but even then, they are going to need a day one starter at WR. My mind is telling me Jaylen Waddle’s speed will get him to top 10, but I don’t love how his game meshes with Stafford nor am I fully confident he’s ready to go day one in 2021. Smith may be built like a teen who just hit a growth spurt but he’s a day one starter in the NFL and his game meshes really well with both Stafford and compliments Golladay’s. I’m really interested to see who takes in Detroit next year, but whoever it is, a potential unit of Kenny G, DeVonta Smith, an emergent TJ Hockenson and D’Andre Swift isn’t the worst place to start.
10. *Falcons*- Kwity Paye-Edge-Michigan
The Falcons need a pass rusher off of the edge, we all know that, it just comes down to which one; so having Rousseau, Paye and Parsons all still on the board is a dream scenario. While I personally have them rated Parsons, Rousseau and then Paye, it’s close enough between all three to go by fit. I honestly think the Falcons have a very strong linebacker corps and won’t get the greatest usage out of Parsons and while I love the idea of Rousseau sliding inside next to Grady Jarrett on 3rd and long, I think they need to go for day one impact and mainly the best all around true edge. For me, that makes Paye the best fit. Always a true freak athlete (which, check out Bruce Feldman’s freak list (https://theathletic.com/1938659/2020/07/21/bruce-feldmans-freaks-list-2019-college-football-top-athletic-performances-2/) but in 2020 he has made a herculean jump in production and polish. This a day one starter, with incredibly rare athletic traits, a feel good backstory and immediate impact at a gigantic need.
11. *Dolphins Via Texans*- Micah Parsons-LB-Penn St
I don’t need to go into too much detail here. The Dolphins have one of the NFL’s few good defenses thanks to a strong secondary and simply elite play calling and positioning from Flores/Boyer. That’s despite Elandon Roberts and Jerome Baker’s poor play and general talent. So what if we gave them a uniquely talented player who can play inside, outside and even play as a pure edge while fitting what the scheme wants to do perfectly? I can’t wait to find out. I think Parsons is still somewhat raw as a player and will have a few rough moments early on, simply because he’s been so so so much more naturally gifted than his competition for his entire life and hasn’t been punished for small mistakes. That said, I can’t think of a better landing spot at getting the most out of him early on and putting him in positions to succeed, nor can I think of a better player at mentoring him than Kyle Van Noy. Parsons will be an immediate upgrade and the potential for what he could grow into in Miami is tantalizing. Thanks Houston.
12. *Cowboys Via Broncos*- Patrick Surtain II-CB-Alabama
The Cowboy’s trade back pays off. I would have been between Surtain and Farley at 4th overall and while I would have leaned Farley, the gap certainly isn’t a 2022 (likely somewhat early) 1st rounder and a 4th. Pairing Surtain up with his college counterpart in Diggs should allow Diggs to go back to his natural 2 spot and provide an immediate upgrade from the triumvirate of Awuzie, Brown and Lewis. Surtain may not be the fastest straight line runner, but his hips are as smooth as they come and he makes up for any long speed deficiencies with elite mirroring and physicality. Surtain has improved as a tackler in 2020 and is probably the best day one starter at CB in this class. The Cowboys will need some safety help over the top against speed receivers, but this is an easy pick.
13. *Bears*- Christian Darrisaw-OT-Virginia Tech
The Bears would love a top 4 QB to fall into their laps at 13, but I just don’t know if they have the assets to afford a move into the top 5 right now. With Nick Foles more expensive to cut than to keep and only 2 mil in expected cap room in 2021, they will need to clear up some space. They happen to have two expensive tackles that are playing solidly but are the only non Akiem Hicks way to open up a big chunk of cap. With Ifedi a free agent expecting to see a bigger contract in 2021, the Bears have a day one need at tackle. Luckily for them, my #2 rated tackle is still on the board and is an absolute monster when he’s set and moves extremely well for his size. There are some issues getting set, but he has an extremely high ceiling and could help open up some much needed cap space for Chicago, while providing a long term solution to a two tackles who are due a lot of money, are cheap to cut and getting onto the wrong side of 30 (and coming off of a severe knee injury in Massie’s case). A receiver is an option here if they cant bring back A-Rob, as could be CB if they cut Fuller. Safety appears as a need as well, but nobody is close to a value this early. Darrishaw is the best value to need for me.
14. *Vikings*- Gregory Rousseau-Edge-Miami (FL)
I looooove this pick. A lot of people are low on Rousseau since he isn’t a finished product, but I think that’s pretty unfair. Rousseau, in his first year as a starter managed 15.5 sacks and 19.5 TFL. While his pressure rate made the sack total seem unsustainable, this is a player who will always have a high sack to pressure ratio due to his insane length, absurd speed to power and insane closing burst. Rousseau is unlikely to be a finished product in 2021, he needs to improve his move repertoire and would do well to use his length to shut down passing lanes. But he has a much higher floor than people give him credit for because he does such a good job of using his length to keep defenders outside of his body and can always detach from blocks. He physically resembles Jevon Kearse, which is something I’ve never said before and his athletic testing is going to be nutty. From a traits perspective this is a once every 5-10 years prospect. Minnesota has done a great job developing high ceiling players and have needs across the D-line. Rousseau setting an edge on run downs and sliding inside for passing downs (where he will be a nightmare from day one) will be a huge asset for the Viks. I can’t see them passing on Rousseau should he be on the board at 14 barring a sliding Trey Lance.
15. *Patriots*- Jaylen Waddle-WR-Alabama
It baffles me that a great defensive mind like BB has allowed himself to have such a slow receiver group, but I can’t imagine him just allowing it to remain as is. The Pats have holes along the D-line and would love a franchise QB, but have played themselves out of contention for the clear round one talents. While I have to imagine Kyle Pitts would be extremely enticing here, he doesn’t offer the ability to play in-line/move nor would he be functional slid in at FB. Without the ability to disguise playcalls, I see Waddle as the pick here to add some much needed electricity and field stretching ability despite having Pitts rated slightly higher. Jakobi Meyers has emerged as a solid receiver for the Pats and the ghost of Julian Edelman remains. With Waddle demanding defensive attention, perhaps he can open up some free space for N’Keal Harry to finally realize some of the yac ability that got him drafted so highly. Edge has to be tempting, but with Rousseau and Paye both off of the board the gap between what Waddle brings to the table vs a second round receiver and a Basham type vs who will be there at 46 leans heavily in Waddle’s favor. Assuming he’s fully healthy at the combine, I think this is Waddle’s floor.
16. *49ers*- Jaycee Horn-CB-South Carolina
The 49ers would love to see a top 4 QB fall to 16 and have to be somewhat interested in Trask and Jones as scheme fits, but they also currently have literally zero cornerbacks under contract for 2021, nor are they particularly flush with cap space nor do they have a third round pick. Jaycee Horn is not only my clear cut CB3 (maaaybe can see a case for Stokes) but he’s also a great fit for what Saleh wants to do should he remain in town. This is one of the easier picks in the first for me. Good fit, arguably best player available and absolutely massive,gaping, day one need. Wyatt Davis is a strong 1B for me though.
17. *Jaguars Via Raiders*- Kyle Pitts-TE-Florida
The Jags have a ton of picks early this year, a coordinator who excels at using athletic receiving TE, a rookie QB who they will be heavily invested in succeeding, a clear need at TE and a likely willing trade partner in Las Vegas. Trading up to grab Pitts is a no-brainer for me. He’s a top 10 talent in the class who could legitimately compete for WR1 in the class should he be listed that way. Is he a great blocker? No. But he’s literally breaking records at catching contested balls, runs the crispest routes i’ve ever seen from a TE and is going to be a prime Jimmy Graham level end-zone threat who can win at every point on the field. Who matches up with this guy? Not a CB, not an LB, maaaaaybe Isaiah Simmons on his best day or a Derwin James? Factor in Jay Gruden knowing exactly how to use this kind of talent and how ridiculously accurate Justin Fields is and you have to make this trade. A Justin Fields offense with this receiving group and Gruden calling plays gets me excited. Just need a tackle and a defense and we may just have something here. Jason Mendoza would be ecstatic.
18. *Ravens*-Wyatt Davis-IOL-Ohio St
The Ravens are reeeeally missing Marshall Yanda and Davis is easily the top IOL in this class for me. I think the Ravens are trying to move away from their 2019 offensive strategy since the don’t have the pieces, but the answer is actually to rebuild around what actually worked. That has to start in the trenches. Wyatt Davis embodies Ravens football. He is a genuine people mover, but he doesn’t sacrifice speed or mobility to achieve that power. He’s pure controlled aggression, and if that’s not a Harbaugh player, I don’t know Harbaugh. If Davis played any other position, he wouldn’t be on the board at 18. Plug and play week one starter who can help get the Ravens back to the 2019 glory. If Pitts is off of the board, this has to be the pick.
19. *Giants*- Joseph Ossai-Edge-Texas
The Giants situation isn’t as bad as I thought at first glance. They haven’t had the best offensive line pay, but with Nate Solder set to return in ‘21, Andrew Thomas starting to look closer to a top 10 pick and Matt Peart as an interesting developmental piece, it felt early to reach on a tackle and I don’t love any interior lineman enough to pull the trigger here. Receiver is a glaring need, but I think there will still be impact starters to get in round two and money to spend in FA as needed. I don’t hate Daniel Jones from my looks and think if the line and skill positions improve around him, he still has a chance to develop into a second contract sort of guy. He deserves his 40 start sample size. With Saquon set to return, that leaves edge as the most glaring need. Leonard Williams and Dalvin Tomlinson are both free agents (though should imo be brought back) and Kyle Fackrell doesn’t deserve another season as a starter. In Patrick Graham’s multiple 3-4 front, there happen to be two exciting players who fit the rush LB mold extremely well and fit value wise. Azeez Ojulari and Jospeh Ossai. I have Ossai rated slightly higher on my board and love his fit in this defense as a better early down linebacker with a higher athletic ceiling in coverage and better length to entice Gettleman while avoiding combo blocks. The dude is no slouch as a pass rusher either. I love the player and love the fit in a defense that might just emerge in ‘21 if things go right.
20. *Cardinals*- Eric Stokes-CB-Georgia
The Cardinals 2021 will have Patrick Peterson, Johnathan Joseph and Dre Kirkpatrick all hitting free agency next year, leaving just slot corner Byron Murphy and a soon to be 33 year old Robert Alford coming off a broken leg to end 2019, torn pec that cost him all of 2020 who can be cut to clear 7.5M of cap space. Corner jumps out as a need both long term and potentially from day one. Few players in this class have impressed me as much as Stokes has. Stokes has always been a technically sound player who shines bright outside in press, with loose hips and long arms to obscure passing lanes. But in 2020, he’s taken that next step into a playmaker. Despite teams tending to avoid throwing at him, he’s flashed greatly improved ball skills and even housed two of the picks he has. I think this is a true all around outside corner who can fit in any scheme and do whatever is asked of him. I don’t exactly see a pro bowl ceiling here, but I think Stokes might be the safest CB in this entire class and it wouldn’t shock me if he had the best rookie year of this solid corner class. People tend to underrate a good, polished CB2 chasing upside that doesn’t always fully develop. Draft good football players.
21. *Buccaneers*- Azeez Ojulari-Edge-Georgia
In a down IDL class, I’m tempted to reach for Barmore here and with Donovan Smith able to be cut to clear 14.25M in 2021, a polished tackle like Eichenberg is somewhat enticing. But with both Lavonte David and Shaq Barrett set to be expensive free agents next year, I think a rush LB/edge hybrid is the biggest need and it just so happens Ojulari is still on the board. When I watch Ojulari I pretty much see Shaq Barrett. A smaller, still long bursty/bendy player who can rush the passer at an elite rate, but will struggle setting an edge. Barrett is a good player, but he’s going to demand a contract that will pay him more than he’s worth and take him into the wrong side of 30. Ojulari can replace something very close to Barrett on rushing downs while a cheap Anthony Nelson is already an elite edge setter on run downs. Lavonte David is a much harder player to replace IMO and they should give him the big contract. Between Nelson and Ojulari, I think they can replace Barrett for 20M less a year and honestly, the pairing has a higher ceiling if everything comes together. It will also help the Bucc’s line get younger, which is much needed for future outlook. I can’t think of a better coach than Todd Bowles to max out a guy like Ojulari. Love this fit.
22. *Dolphins*- Jeremiah Owusu-Koramoah-LB-Notre Dame
After addressing linebacker with pick number 11, the Dolphins double down and draft another at pick 22. If you’re going to start two monster rush LB like Kyle Van Noy and Micah Parsons, it sure as hell won’t hurt to have an absolute speed freak to fly around and neutralize both TE and speed backs. The closest thing I’ve seen to Owusu-Koramoah is basically the 2020 Seahawks version of Jamal Adams (minus the injury) undersized for an LB but incredibly fast, incredibly good at deciphering plays and a surprisingly good blitzer. The dude finishes tackles against future sunday morning players too. As mentioned earlier, Elandon Roberts and Jerome Baker ain’t it, especially in a mainly odd front defense. JOK offers a truly unique skill set that not only compliments the pieces already there well, but will be maximized by a coach like Flores. The Dolphins have needs on the O-line, receiver and RB, but you won’t find another JOK in the second round, where they have two picks. Perhaps they can target Owusu-Koramaoh’s son, Travis Etienne with one of those picks.
23. *Colts*- Jaelan Phillips-Edge-Miami (FL)
The Colts have needs at WR,CB and will likely do their due diligence on the remaining QBs. However, the Colts top 3 snap getters on the edge (Houston, Muhammad and Autry) are all free agents, only Houston has been performing well and he’s already 32. Even if he returns, edge will be a need. While Phillips won’t be the top edge available on every team's board here due to a very small sample size and a long injury history, I have to imagine Ballard will be head over heals for this player. Ballard has shown in the past he wants to target athletes with length and Phillips has both in spades. The former #1 overall recruit has insane length, insane burst, elite bend,elite speed to power and knows how to use all four to be first to contact and shed tackles like snake skin. Phillips measurables and 2020 tape are clear cut first round grades and had he had three healthy years, he might be the top edge in the class. The dude even wins in coverage at 6’5 265. The question is, do you trust him to stay healthy. He’s the type of player that will be top 15 on 8 teams boards, mid day two on 10 teams boards and completely off of 14 teams boards. I think Ballard is going to fall in the first group of GMs and he will rush to the podium to get Phillips in the building.
24. *Browns*- Zaven Collins-LB-Tulsa
The Browns have clear needs at edge and linebacker. If Owusu-Koramoah were on the board, he’d be the pick and Dylan Moses has to make them think. But I think they instead get them somebody who can do both. Andrew Berry has shown a strong correlation of draft picks to PFF grades and guess who PFF’s top graded LB in all of college football is? Zaven Collins. More than just questionably important player grades at Tulsa, Zaven Collins has the unteachable traits you can’t coach and scouting teams will love. 6’4 260 pound men shouldn’t be able to move like this. Collins is nimble and agile and is going to blow up the combine. I’d bet money on that. He uses this blend of size and agility to simple avoid blocks at Tulsa but has the size and length to easily disengage at any level. He is borderline elite in coverage and has bullied American conference passers into 2 pass deflections and 4 picks (which he’s returned for 152 yards and 2 TDs) in just 6 2020 games. Collins can rush the passer as well and has legit edge size. Collins currently plays more fast (which he is) than powerful (which he also is). I’d like to see him learn to use his size to initiate contact and bully people at the point of contact because he absolutely can, but I guess why do it when you can just avoid them completely. The game speeds up from the American conference to the AFC North, but I think Collins is a day one LB, special teams force and has potential to develop into a very special player. Watching him play, he reminds me of a cross between KJ Wright and Jamie Collins, but bigger. Fun Player and easy fit.
25. *Raiders Via Jaguars*- Christian Barmore-IDL-Alabama
After trading back and acquiring an extra top 70 pick, the Raiders select the player they wanted all along. The Raiders need a more consistent pass rush. Clelin Ferell has taken a huge step forward in 2020, but he will always be a stop the run player more than a sack artist (as is Nassib), while I’m not ready to give up on Maxx Crosby, he hasn’t been the same player he was in 2019 (or close to it). Maurice Hurst has been their only good pass rusher for my money, but he will need help inside. Johnathan Hankins is a free agent, soon to be on the wrong side of 30. Vickers and Collins certainly aren’t the answer. In a down IDL class, Barmore is the only player I can see ging round one and is easily my top IDL in the class. Is he a polished player and tactician? Nope. NFL double teams will likely eat him if he can’t add more moves or play with better leverage. That said, if you try to double him, Hurst is gonna murder your quarterback. Barmore has rare length, bend and power for an interior player. He already wins against SEC lineman and can play all across the line despite being 310 pounds. When he wins, he wins quickly and is an immediate disruptive force up the middle. Put him outside in short yardage situations and back inside on clear passing downs and he will immediately be an upgrade for the black and silver. He won’t be a 3-down guy year one, but that doesn’t mean he won’t make an impact. Long term, the sky is the limit. This is the only IDL in this class I can envision making a pro bowl. He also just so happens to come from the winning culture that Gruden?Mayock love. It just makes too much sense not to happen.
26. *Jets Via Seattle*- Carlos Basham-Edge-Wake Forest
It’s still TBD who will be the Jets DC in 2021, but I think they have personnel best suited for a true multiple front but could certainly use a genuinely polished power edge suited to play both 3-4 and 4-3 edge. Basham is that guy and while Joe Douglas has a love for quick twitch athletes off of the edge, I think Boogie Basham would make too much sense to pass up on here. Basham (who’s cousin Tarrell is a current Jet likely to be brought back for 2021) is a relentless load to handle on the perimeter who has the kind of day one polish this team needs. Basham has a fantastic grasp on how to clog gaps on run downs, is a sure tackler with his massive wingspan, sheds blocks with a very impressive and polished array of moves, never seems to be out of position, doesn’t over pursue and get out of position and man knows how to use his long-limbed frame to create chaos. Across his last 19 games, he has forced 7 fumbles and tipped 4 passes despite being double and triple teamed week in, week out. Basham isn’t a poor athlete by any means, but I would say he’s more of a day two bend/burst combo than typical day one. That said, he has day one starter polish at 285, makes the players around him better and creates turnovers. This isn’t your 10 sack a year guy, but it’s your 6-8 sack a year, consistent 3 down/scheme versatile edge who makes the players around him better and brings much needed leadership skills.
27. *Titans*- Dylan Moses-LB-Alabama
I expect this to be one of my most controversial picks in this mock. With Clowney a free agent again, edge is a glaring need, but unless you want to reach big time for an edge there isn’t anybody left. With only 10M of cap space currently in 2021, Corey davis has likely priced himself out of town with a boom season. WR is a need but one that can be addressed later. Daquan Jones will need to be replaced at DT. But with Jayon Brown likely gone in 2021, I have to think the former LB and the former Patriot in Mike Vrabel is going to fall in love with Dylan Moses the player; as well as Dylan Moses the person. Moses is a freak athlete with a freak work ethic who clearly just loves the game of football. The movement skills, power and tackling ability are all special. That said, he’s had a somewhat down year. He has good instincts, but you can visually see him second guess himself and overthink plays. RPO’s, sudden moves and good routes have eaten him up in 2020. Who better to teach a special ball of clay how to turn his brain off than Vrabel? Moses will be a day one starter, immediate locker room leader and running back neutralizer in day one for the Titans. There will be some rough moments early on, but this is the kind of player Vrabel loves and the ceiling is really high for this pairing. A reach for Jason Oweh or Jay Tufele feel possible here as well, as could a Bateman or Marshall pick.
28. *Bills*- Shaun Wade-CB-Ohio St
Bills could use an edge if they can’t bring back Murphy, would have to take a long look at Moses if he were on the board and could really use a Pat Freiermuth...but if the draft falls like this I expect them to run to the podium. Josh Norman, Levi Wallace and Daryl Worley are all free agents in 2021 and Taron Johnson isn’t particularly good. With just 4.8M in 2021, this likely means the Bills will need a minimum of one cheap starting CB and likely both a slot and outside guy. Wade can fill both roles and is simply too talented to remain on the board here. Easy pick to make.
29. *Packers*- Rashod Bateman-WR-Minnesota
Do the Packers seemingly ever draft WR round one? No. Should they? Yep. Do they currently have the cap space to bring back Allan Lazard? Lol no. They have -18M in cap space next year. It’s worth noting that this means they are extremely unlikely to be able to resign Aaron Jones, which explains the weird AJ Dillon reach and opens up RB as a possibility. That makes me tempted to grab Kadarius Toney as a Kamara role hybrid, but that doesn’t seem like a Packers move. Terrace Marshall feels like a Packers pick, but he doesn’t block as well as Bateman and won’t be quite as good day one. I think Gutekunst will fall in love with Bateman’s boundary receiving skills, Rodgers will lobby hard for a receiver that wins with a skillset similar to Davante Adams and LaFleur will fall in love with Bateman’s alpha run-blocking game. Toss in the fact that Bateman in Green Bay will rip the heart out of Vikings fans and it’s an all around win. Linebacker is an absolutely glaring need, but all the good ones are gone and the Packers seem to hate drafting them even more than hate drafting receivers. Love this fit and pick.
30. *Chiefs*- Rashawn Slater-OT-Northwestern
The Chiefs have had one hell of a run, but 2021 will be the beginning of having to pay the piper. Even without resigning Sammy Watkins, Charvarius Ward, Breeland, Nieman, Wilson, osemele, Rieters, Remmers, Wylie, Robinson, Lev Bell, Sorenson,kpassagnon and Pennell among players who saw heavy snaps in 2020; they will be -15M in 2021 cap space. And that’s BEFORE the roster gets expensive in 2022. This means, at minimum two of the Honey Badger, Mitchell Schwartz and Eric Fisher will be cap casualties. Basically the entire o-line and secondary will be needs, as well as 1-2 WR. Rashawn Slater of “the only player not to be sucked into the void by Chase Young in 2019” fame can play 4 of the line slots, moves incredibly well for a man his size, can play in cold weather and is apparently loved by “NFL types”. This feels like a pick the Chiefs have to make.
31. *Saints*- Tyson Campbell-CB-Georgia
If you thought the Chiefs cap situation was bad….the Saints currently have -95M of cap space in 2021. -95M. Jared Cook, Alex Anzalone, Sheldon Rankins, Marcus Williams and Trey Hendrickson are impact free agents who won’t be able to be resigned. Making LB, FS, Edge and IDL big needs. Ryan Ramczyk, Marshon Lattimore, Malcolm Brown and Kwon Alexander almost 100% have to be cut. It’s a bad spot to be in. Tackle, QB, LB, DT and CB all stand out as the biggest needs. With two QB’s fully guaranteed over 33M in dead cap in 2021, reaching for a QB round one doesn’t seem likely. Jaylen Mayfield or a Liam Eichenberg seem possible, as could a Jay Tufele but there will be more potential day one starters there round two than CB. Tyson Campbell has injury concerns and has had a pretty poor 2020, but he looks built in a lab to be a CB1. I think this is the replacement for a Lattimore that the Saints simply can’t afford next year. It’s a very wide range of possible outcome player, but it’s a risk they have to take.
32. *Steelers*- Jalen Mayfield-OT-Michigan
The Steelers are yet another team in 2021 cap hell. Sitting pretty at -20M in 2021, the Steelers will have Bud Dupree, Juju, James Conner, Matt Feiler, Cam Sutton, Mike Hilton, Robert Spillane and Tyson Alualu as free agent starters. Edge, OT, CB and RB all jump out as big needs even before cap casualties and the QB of the future still isn’t in the building. In particular, tackle, edge and RB jump out as needs. Jalen Mayfield is a lab built tackle with great length, power and agility wrapped up in a prototypical frame. He is not yet a finished product, who struggles against speed to power and gets over his toes at times. But he has the traits you can’t teach and should thrive in a power concept. Year one will be up and down and in a perfect world, he’d have a year or two to season. Maybe Eichenberg will be a better fit. But he just screams Steelers power football when he gets his lower half right. I can’t see Mike Tomlin go for a RB with the ball security issues Etienne has and while Harris will be tempting, the needs up front are just too much to pass up on a potential starter.

Vrbo Citrus Bowl Match-up Preview Thread: #15 Northwestern Wildcats vs. Auburn Tigers

#15 Northwestern vs. Auburn
When: Friday, January, 1, 01:00 PM Eastern
Where: Camping World Stadium - Orlando, FL
Watch: ABC
Odds: Northwestern by 4.0 pts.
Total Points: 43.5
All-Time Series : Northwestern vs. Auburn
Northwestern and Auburn have met 1 time since 01/01/2010.
These teams last met 4,017 days (~11 years) ago on 01/01/2010.
Series Wins: Northwestern 0-0-1 Auburn^{^†}
Longest streak of continuous meetings: 1 (2009-2009).
Auburn has won the most recent meeting (2009) in this series.
Last 1 Meetings

Winner	Date	Location	Northwestern	Auburn	Notes
Auburn	2010-01-01	Tampa, FL	35	38	Outback Bowl

^{Series Comparison Data via Winsipedia}
Through Week 16

Week	Northwestern 6-2(6-2)	Result	Auburn 6-4(6-4)	Result
1	BYE	N/A	BYE	N/A
2	BYE	N/A	BYE	N/A
3	BYE	N/A	BYE	N/A
4	BYE	N/A	Kentucky 4-6(4-6)	W 29-13
5	BYE	N/A	Georgia^{^#10} 7-2(7-2)	L 6-27
6	BYE	N/A	Arkansas 3-7(3-7)	W 30-28
7	BYE	N/A	South Carolina 2-8(2-8)	L 22-30
8	Maryland 2-3(2-3)	W 43-3	Ole Miss 4-5(4-5)	W 35-28
9	Iowa^{^#18} 6-2(6-2)	W 21-20	LSU 5-5(5-5)	W 48-11
10	Nebraska 3-5(3-5)	W 21-13	BYE	N/A
11	Purdue 2-4(2-4)	W 27-20	BYE	N/A
12	Wisconsin 3-3(3-3)	W 17-7	Tennessee 3-7(3-7)	W 30-17
13	Michigan State 2-5(2-5)	L 20-29	Alabama^{^#1} 11-0(11-0)	L 13-42
14	BYE	N/A	Texas A&M^{^#6} 8-1(8-1)	L 20-31
15	Illinois 2-6(2-6)	W 28-10	Mississippi State 3-7(3-7)	W 24-10
16	Ohio State^{^#4} 6-0(6-0)	L 10-22	BYE	N/A

^{^All} ^{^rankings} ^{^reflect} ^{^the} ^{^current} ^{^/cfb} ^{^poll}
Northwestern Injury Report
Data Scraped: 2020-12-31 10:00:03

Player	Position	Status	Reported	Notes
Hunter Renner	P	Out Indefinitely – Undisclosed	Sat, Nov 28	Renner has been sitting out due to an unlisted issue, and it is unknown how long it will keep him from being available.
Marcus Cisco	RB	Out Indefinitely – Undisclosed	Sat, Nov 28	Cisco has been out for reasons that have not been disclosed, and it is unknown when he will return to the lineup.
William Halkyard	LS	Out Indefinitely – Undisclosed	Sat, Nov 28	Halkyard has been inactive due to an unlisted issue, and his status remains unclear for the foreseeable future.
Zac Krause	QB	Out Indefinitely – Undisclosed	Sat, Nov 28	Krause has been held out due to an undisclosed issue, and it is unknown when he will next be on the field.
Maxwell Skidmore	OL	Out Indefinitely – Undisclosed	Sat, Nov 28	Skidmore has been sitting out due to an unlisted issue, and it has yet to be established for how long he will be prevented from playing.
Luka Trifunovic	DL	Out Indefinitely – Undisclosed	Sat, Nov 28	Trifunovic has been held out of action due to an undisclosed reason, and it is unknown when he will be permitted to suit again.
Jaiden Cameron	DE	Out Indefinitely – Undisclosed	Sun, Dec 20	Cameron has been unavailable due to an unknown injury, and it remains to be seen when he will next be on the field moving forward.
Greg Newsome Ii	DB	Out For Season – Lower Body	Mon, Dec 21	Newsome II has opted out of the remainder of the 2020 season to focus on preparing for the NFL Draft.
Will Lansbury	WR	Ques Fri – Undisclosed	Sat, Dec 26	Lansbury is dealing with an unlisted issue, and his status against Auburn in the Citrus Bowl is unknown.
Trevor Kent	DE	Ques Fri – Undisclosed	Sat, Dec 26	Kent is bothered by an unlisted issue, and his status against Auburn in the Citrus Bowl is hazy.
Conrad Rowley	OL	Ques Fri – Undisclosed	Sat, Dec 26	Rowley is nursing an injury to an unspecified area, and it remains to be seen if he will take on Auburn in the Citrus Bowl.
Berkeley Holman	WR	Ques Fri – Head	Sun, Dec 27	Holman is battling a head injury, and it is unclear if he will take the field in the Citrus Bowl versus Auburn.
Grayson Metz	LB	Out Indefinitely – Undisclosed	Sat, Nov 28	Metz has been unavailable due to an unlisted injury, and it has yet to be established when he will be ready to return.
Michael Jansey Jr.	LB	Out Indefinitely – Undisclosed	Sat, Nov 28	Jansey has been sidelined due to an unspecified issue, and it remains to be seen when he will be in uniform again.
Nigel Williams	DB	Out Indefinitely – Undisclosed	Sat, Nov 28	Williams has been sidelined due to an unknown issue, and it is unknown how long it will prevent him from competing.
Payne He Bert	OL	Out Indefinitely – Undisclosed	Sat, Nov 28	He’Bert has been missing time with an unknown issue, and it is undetermined how long it will prevent him from taking the field.
Carl Richardson	QB	Out Indefinitely – Undisclosed	Sat, Nov 28	Richardson has been sitting out due to an undefined ailment, and it is unknown when he will suit up next.
Connor Newhouse	RB	Out Indefinitely – Undisclosed	Sat, Nov 28	Newhouse has been sidelined with an injury to an unlisted location, and it is unclear if he will be available moving forward.
Braeden Heald	WR	Out Indefinitely – Undisclosed	Sat, Nov 28	Heald has been sidelined with an injury to an unannounced area, and it is undetermined when he will line up next.
Trey Pugh	TE	Out Indefinitely – Undisclosed	Sat, Nov 28	Pugh has been out due to an unspecified reason, and it has yet to be determined when he will return to the fold.
Jake Arthurs	RB	Out Indefinitely – Undisclosed	Sat, Nov 28	Arthurs has been sitting out with an unspecified ailment, and it is unknown how long it will continue to impede his status.
Jack Moses	WR	Out Indefinitely – Undisclosed	Sat, Nov 28	Moses has been sidelined with an injury to an unknown area, and it is undetermined when he will take the field next.
Hunter Welcing	TE	Out Indefinitely – Undisclosed	Sat, Nov 28	Welcing has been sidelined by an unspecified injury, and it has yet to be established when he will return to the lineup.
Willy Boatman	DL	Out Indefinitely – Undisclosed	Sat, Nov 28	Boatman has been sitting out with an undisclosed injury, and it is up in the air when he will take the field next.
Cullen Coleman	LB	Out Indefinitely – Undisclosed	Sat, Nov 28	Coleman has been sitting out with an unspecified ailment, and it is unclear if he will be good to go moving forward.
Joe Dehaan	LB	Out Indefinitely – Undisclosed	Sat, Nov 28	Dehaan has been sidelined with an undisclosed injury, and it remains to be seen how long he will be out.
Connor Foster	OL	Out Indefinitely – Undisclosed	Sat, Nov 28	Foster has been sidelined with an unlisted injury, and it is unknown how long he will miss game action.
Jason Gold Jr.	DE	Out Indefinitely – Undisclosed	Sat, Nov 28	Gold Jr. has been out with an unlisted ailment, and it is unknown how much time it will force him to miss.
Jake Genyk	P	Out Indefinitely – Undisclosed	Sat, Nov 28	Geneyk has been sitting out due to an unknown issue, and it remains to be seen how long it will prevent him from playing.
Jj Jefferson	WR	Out Indefinitely – Undisclosed	Sat, Nov 28	Jefferson has been missing from the lineup due to an undefined ailment, and it remains unclear when he will be activated.
Garnett Hollis Jr.	DB	Out Indefinitely – Undisclosed	Sat, Nov 28	Hollis Jr. is sidelined due to an undisclosed issue, and it is unknown how long it will impede his availability.

^{Injury data lifted from:}^{boydsbets.com}
Auburn Injury Report
Data Scraped: 2020-12-31 10:00:03

Player	Position	Status	Reported	Notes
Jamien Sherwood	DB	Out Fri – Undisclosed	Wed, Dec 30	Sherwood will not be active for the Citrus Bowl against Northwestern due to an injury to an unlisted location.
Christian Tutt	DB	Out Fri – Undisclosed	Wed, Dec 30	Tutt has an undefined injury, and he will not line up against Northwestern in the Citrus Bowl.
Anthony Schwartz	WR	Out Fri – Undisclosed	Wed, Dec 30	Schwartz is battling an unannounced injury and will not participate in the Citrus Bowl against Northwestern.
Brodarious Hamm	OL	Ques Fri – Undisclosed	Sat, Dec 26	Hamm is battling an unannounced injury, and it is unclear if he will line up against Northwestern in the Citrus Bowl.
Tyler Fromm	TE	Ques Fri – Undisclosed	Sat, Dec 26	Fromm is managing an injury to an unlisted location. It has yet to be determined if he will play against Northwestern in the Citrus Bowl.
Tank Bigsby	RB	Ques Fri – Undisclosed	Wed, Dec 30	Bigsby is managing an unlisted injury, and it is unknown if he will take part in the Citrus Bowl versus Northwestern.
Devan Barrett	DB	Out For Season – Personal	Sun, Dec 6	Barrett has made a personal decision to opt-out for the remainder of the 2020 season.
Brandon Council	OL	Out For Season – Knee	Mon, Oct 26	Council is sidelined with a knee injury, and he is expected to miss the remainder of the 2020 season.
Daniel Foster Allen	DE	Out Indefinitely – Undisclosed	Sat, Oct 24	Foster-Allen has been sidelined due to an undetermined injury. It has yet to be established when he will make his first appearance of the season.
Jay Hardy	DE	Out Indefinitely – Foot	Sat, Oct 24	Hardy has been sidelined with a foot ailment, and it is unknown when he will suit up for his season debut.
Chandler Wooten	LB	Out For Season – Personal	Tue, Aug 25	Wooten has informed the program that he will not take part in the 2020 season due to a personal decision.
K.J. Britt	LB	Out For Season – Thumb	Fri, Dec 11	Britt is recovering from surgery to repair torn ligaments in his right thumb, and he will miss the remainder of the season.

^{Injury data lifted from:}^{boydsbets.com}
What are your "Keys to the Game"?
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Super Bowl Futures - FULL list, every team covered!

Dynasty 2020 Rookie Stock Watch (week 10 update, AND updated rookie rankings!)

10 weeks are in the books - for most of us, there are only 3 more regular season weeks, and trade deadlines are either just around the corner or have already come and gone. Here in chilly Green Bay, we got our first significant snow fall yesterday, and I'm still in denial that 8 months have passed living in this pandemic. Focusing on my dynasty team has been a big part of how I've coped with this strange new world. Here's hoping that the week 10 report finds you and yours healthy.
Before the season started, I did a mildly popular [Dynasty 2020 Rookie Stock Watch] (and at the request of the community, I'll be doing weekly updates! In case you missed previous weeks, you can find week 1 [here], week 2 [here], week 3 [here], week 4 here, week 5 here, week 6 here, week 7 here. week 8 here, and week 9 here.
Before I get into the report, I want to again remind you a little bit of how my methodology works - when I look at whom I consider to be the biggest risers and fallers, I put a few things into that determination:

1. I consider where I would now draft this player in a rookie draft. Dropping 2 spots from 20 to 22 is a lot less significant than dropping from 4 to 5. If a player drops a couple spots near the top, this often suggests a big loss in value because of the large value drop between pick 1.01 and 1.04. Even dropping from "in the conversation for 1.01" to "clearly 2 with no case at all for 1" is a more significant drop than 2-3 spots in the second round.
2. When I try to determine if a player has fallen, I like to weigh what some of the perceptions were on that player's upside, and if any of those perceptions appear to no longer be true or at least need to be tempered.
3. We absolutely need to weigh in what has changed with the likelihood of rookie-year opportunity. A huge factor in the value of rookies is this question: "What will they be worth before the 2021 season?" - and that question is highly impacted by volume and opportunity in year 1.
4. Just because I have someone as a riser or faller doesn't mean I think you should buy/sell them at bad value. It's the same concept as stocks - if you believe in the fundamentals of the company you invested in, you don't sell off after a bad week. Similarly, after a stock skyrockets is not usually the best time to buy in - you'd want to wait for a brief regression before that.
5. Like Matthew Berry has said - just because a guy is on my faller list doesn't mean I like them less than a guy on my riser list. This is just my evaluation of their value relative to where it was before this week. These are really just feel takes and will ebb and flow as the season goes on. Looking at the fluidity of my rankings should make that obvious.

With that out of the way, let's dive in!

Biggest Week 10 risers:

D'Andre Swift. The Detroit Lion finally made his long-awaited debut as a starter, and what a start it was. Getting the "lion's share" of the work was not wasted on Swift, who put up this weekend's highest point total among all rookies. If given the chance to truly feature, Swift is everything we wanted out of a 1.01 in the class. He was widely looked at as possibly the 1.01 before (and even after) the combine, and it was the Detroit landing spot that soured people on him. But 10 games into the season, Swift stands tied for rookie RB3 with Antonio Gibson, and his trajectory is on the rise. Every reason to believe this game will be launching pad for him.
Tee Higgins. All the guy does is produce. Week in and week out, Higgins has been a consistent performer. Stretching back to week 3, he's been averaging 17 points a week, and is in a system where he looks poised to become Burrow's NFL bff. I'm all in on Higgins like never before. For a guy who was falling into early 2nd rounds back in June, to a guy who looks like he's a top 3 WR in the class, Higgins (who was considered a boom or bust) looks to clearly be a boom.
Salvon Ahmed. Lowkey, Ahmed was the highest scoring UDFA RB this last week. With Gaskin landing on the IR, Ahmed got a chance to shine and took full advantage. This game is substantial because a performance like this gives a guy a lot of staying power on the league. In shallow leagues Ahmed might not have even been rostered before this game. And while I don't think the guy is a great long-term asset, chances are you got him for free, and he looks like a nice piece to slide into a flex or ship to a contender for some depth.
Michael Pittman. As a JT owner, I'd like to pretend that Thursday's game didn't happen. But I'm also a Pittman owner. Pittman looked to be the WR1 already on a Colts team that waffle-stomped the Titans on Thursday, putting up excellent numbers as his rebound from an early injury goes into full force. I really like Pittman's chances of getting a stranglehold on the WR1 job this year, and if he can close out the season with continued production, he seems poised for a big 2021.
Justin Jefferson, Brandon Aiyuk, and Antonio Gibson. Two more solid performances have these guys continuing to either rise or solidify their positions on the charts. Aiyuk keeps producing, and Jefferson looks great whenever the Viking game flow requires passing. Jefferson's routes and ability to get open short and long make him look like a true technician on the field. Aiyuk's ability to make the difficult catch and what he can do with the ball in his hands makes him a regular threat for the home run. Meanwhile, despite JD getting a significant amount of work, analysts noted that the WFT looked extremely inefficient when utilizing him. On the flipside, WFT got more production and yards per touch out of Gibson. Hopefully this will push JD's usage a bit down in future weeks.

Biggest Week 10 fallers:

JaMycal Hasty. You hate to see a guy get a chance to explode out of nowhere, and instead suffer a significant injury. Hasty's broken collarbone will sideline him the rest of 2020 and likely destroys whatever promise he had, as the 49ers will likely have their 100 injured players back in time for the start of the '21 season.
DeeJay Dallas. Limited snap share despite injuries and the fact that eventually some of these Seahawk RBs will be coming back really does let some of the air out of the tires for Dallas. He's a fine stash and wait sort of guy for now, but his window to impress early is closing, which greatly reduces the odds that he'll be anything special for you going forward.
JK Dobbins. While everyone was busy watching Jonathan Taylor under-perform, we might've slept a bit on Dobbins who has crashed down to earth in the last two weeks. While owners should obviously stay committed to the long-term approach, it is frustrating to see Dobbins get so few opportunities week after week. That said, JK was always a "wait for '21 approach", and we shouldn't adjust his value too much on the long term just because his long-shot chance at early production looks to be fading away.
Joshua Kelley. All I'm going to say here is that if Ballage looks better than you, you might not be as good as we hoped. No doubt it's still his rookie year and Kelley can turn it around, but it feels like any bum off the street looks better than Kelley when thrust into the RB role for the Chargers right now.
Zach Moss. 8 touches for 17 yards in the last week was a bit of a let down production-wise. The Moss/Singletary platoon seems to be fantasy purgatory overall. Good for NFL production and fine in very deep leagues / leagues with tons of starters, but it feels like its going to be hard to trust Moss to ever really produce starter-worthy numbers in this situation.

How I rank them right now

(in 1QB, but I will include where I would bump the QBs up to in 2QB)

01 D'Andre Swift
02 Justin Jefferson
03 Clyde Edwards-Helaire
04 CeeDee Lamb
05 James Robinson
06 Tee Higgins
07 Jerry Jeudy
08a Antonio Gibson
08b Jonathan Taylor ----------- I really value these 3 about the same at this point
08c JK Dobbins
11 Brandon Aiyuk
12 Chase Claypool
13 Justin Herbert (1.01 in 2QB/SF)
14 Joe Burrow (1.02 in 2QB/SF)
15 Jalen Reagor
16 Michael Pittman Jr
17 Denzel Mims
18 Laviska Shenault
19 Cam Akers
20 Tua Tagovailoa (1.03 in 2QB)
21 Henry Ruggs III
22 Zach Moss
23 AJ Dillon
24 Bryan Edwards
25 La'Mical Perine
26 Darnell Mooney
27 Gabriel Davis
28 KJ Hamler
29 Deejay Dallas
30 Ke'Shawn Vaughn
31 Devin Duvernay
32 Joshua Kelley
33 Salvon Ahmed
34 Tyler Johnson
35 Van Jefferson
36 Darrynton Evans
37 Collin Johnson
38 Marquez Callaway
39 Quintez Cephus
40 Anthony McFarland Jr
41 Jordan Love (late 2nd in SF)
42 Antonio Gandy-Golden
43 JaMycal Hasty
44 Jalen Hurts (who I am not convinced is any better at football than Lynn Bowden Jr)
TE Section (so no one asks why I have no TEs on here)
45 Harrison Bryant
46 Cole Kmet
47 Adam Trautman
Obligatory Kicker Shoutout:
48 Tyler Bass
49 Rodrigo Blankenship
More likely to end up in prison than starting for you in a Dynasty league: (an inside joke aimed at a guy who really loves Bowden and always asks me where I'd rank him - which is truthfully "late 4th at best".
50 Lynn Bowden Jr.

Last words:

JT's Thursday game shouldn't alarm owners any more than they already were previously. As a result, I'm not really dropping him further in reaction. Out of his 9 touches, 5 were actually solid plays, and of the 4 that weren't, the OL should be graded an "F" for effort and result on 3 of those 4. His two catches looked solid, great job trucking a defender on the first one, and he converted 2 4th and 1s. I wouldn't read too much into the game - it was Hines' birthday and he got hot, but he also got super elite blocking on his first 3 touches which caused Rathman to be convinced he was the hot hand. He might've been, but JT hasn't seen blocking like what Hines saw this entire season.
Swift is the real story here though - he shows early flashes of Kamara 2.0, and I think he deserves to be placed back up where he was on our draft boards before the NFL Draft. As long as Patricia realizes he won't stay in the NFL unless he wins, and using Swift 75%+ is his best chance to winning, the production could even arrive before Patricia departs. That's better than a lot of us were even hoping for!
I hope you folks continue to enjoy reading these as much as I enjoy reading your responses. Have a great week and drop me a message! Please stay healthy out there! :)
What do you think? As always I will try to engage with each-and-every reply.

I am 25 years old, make $122,000, live in New York, NY and work as a product manager.

Section 0: Background
Hi everyone! I’m trying to tailor this a bit more to reflect the UK Money Diary style where I give context on the week before and reflect on it after. I also added in some of the questions from the recent thread about what Refinery29 should ask diarists (see here).
I wrote this the week of Thanksgiving; my partner and I stayed in NYC instead of going home to either of our parents’ homes. We wear masks and stay socially distant when we leave the house. I’m thankful that we live close to a park and live on a block where we know and enjoy talking to our neighbors.
This was a relatively normal week for us during a pandemic, save for me spending a bit more than normal and it being Thanksgiving. We’ve both lived in the city since college and have so-so relationships with our families, so we didn’t leave for “home” when the pandemic hit.
I also just named my boyfriend instead of giving him an initial. He’s the only person I actually saw this week, but the initials always throw me off when I read these.
What do money and success mean to you? What are your end goals?
It helps me to see money as a tool. I never resonate with people who say “money doesn’t buy happiness” because to a certain degree, it does. Money enables me to live the life I want.
I’m pursuing FIRE (financial independence, retire early) and hope to be financially independent (able to live off my investments) by my early 30s. To do so, I save 60%+ of my income per month. I want this because working for 40 years isn’t sustainable for me—I have a very cushy tech job and still get anxiety and rage about waking up every morning to work, the rat race, and being paid inequitably to male peers. I’d like to give myself the option to leave this world as soon as possible.
As an alternative, I could see myself successful if I open a product consultancy, where I advise early-stage startups on product management, what to build for their MVP, and product-market fit. I’m really interested in tech ethics and the questionable practices in venture capital, so I’d love to be in a place where I could be picky about what clients I take and help truly mission-driven businesses thrive. I could see this also working as a small business incubator—why not apply what works in startups to small businesses?
I don’t yet have a firm picture of what I’d like my life to look like when I retire. I’m interested in spending a lot of time reading, traveling to new places for extended periods of time, and potentially writing a book. I get extremely interested in niche topics. Right now if I had to guess, I’d be writing a book about the ways multi-level marketing companies (MLMs) manipulate women.
Are you a spender or a saver?
Definitely a saver. My partner is more of a spender, and we’ve influenced each other well. Seeing him spend money on himself for video games helps me realize I can spend more money on myself for things I just want (see my big purchase for myself this week).
In turn, seeing me save a lot of money has motivated him to up his 401k contribution and overall savings. He’s also interested in FIRE, although I’d say my timeline is more aggressive.
If you could go back in time, what's the one piece of financial advice you would give to your past self?
Learn about investing, look up the terms you don’t know, and start doing it as soon as possible. Ask questions to people you know or on the internet.
On to the diary!

Section One: Assets and Debt
Investment Balance
$131,175

Retirement (includes 2 company 401ks and 1 rollover IRA): $55,730
Brokerage: $27,233
Roth IRA: $25,439
Managed account: $17,923
HSA: $4,850

Equity if you're a homeowner
N/A, I rent in a HCOL city. No plans to own anytime soon
Savings account balance
$10,270
Checking account balance
$3,433 in checking account for bills

This fluctuates, but I try to invest anything over $2k. I’m pretty conservative with my checking account buffer, and don’t worry much about the interest I’m “losing,” especially because interest rates are so low right now

$2,518 in checking account for rent

I keep a holdover account that’s connected to Venmo and Zelle to pay rent

Credit card debt
N/A. There’s $1,348 currently on my credit cards, but I pay them all off in full each month. My parents signed me up for a credit card as soon as I was old enough and taught me about how important it was to pay in full. In fact, I think this was so hammered into my brain that doing anything other than that each month was never an option. Because of this, I’ve always thought of credit cards as similar to debit cards—only spend money you have.
Student loan debt (for what degree)
I was fortunate to go to college on a full scholarship, including living expenses. I studied psychology and sociology, and I graduated without any student loan debt.

Section Two: Income
Main Job Monthly Take Home: $6,570/month
I maxed out my 401k early this year, so for 8 months I was contributing $2,500/month out of my paychecks. That ended in September, so it changed my monthly take-home from about $4,650 to $6,570/month.
Deductions:

401k: $0/month (was $2,500/month)
Medical: $128/month
Dental and vision: $11/month

Income Progression

I started in customer support right out of college, making $40,000/year + overtime, which ended up being about $52,000/year (thanks OT!).
About a year later, I moved into an entry-level product role at the same company and received a raise to $60,000/year.
The next year, I moved to a new company for a half-step promotion where I was making $82,000/year + 15% yearly bonus. The bonus was dependable enough that it was assumed as part of our total compensation, so let’s call it $95,000/year.
Early this year, I switched companies again (noticing a theme?) for a promotion and now make $122,000/year.

I don’t have any other sources of income outside my main job. My partner makes a similar amount to me—about $117,000/year with bonus.

Section Three: Expenses
I live with my partner and we don’t have combined finances, but split many expenses 50/50. We use Splitwise to log transactions. He’s more laid-back about being paid back, but I’m much more “I don’t want to owe anyone anything, and I don’t want anyone to owe me anything” (I know, rigid, but I’m working on it!).
Splitwise is nice because it’d be ridiculous to Venmo request each other for a $4 coffee, but we can see how expenses are adding up. If someone has racked up a few hundred dollars of spending for both of us, the other person will cover our expenses for awhile. It works for us!
Rent
$2,200 for a 2 bed, 1 bath apartment in Brooklyn. We split rent 50/50.
Renters insurance
About $7/month for my portion. This covers all our possessions plus my boyfriend’s watches. He pays 75% of it because half of the monthly cost comes from the extra watch overage.
Savings contribution
I try to have about $10,000 sitting in my savings account at any given time, because it makes me feel safe in case of an emergency. I also like the freedom it enables, in case I wanted to leave my job and take a significant amount of time off. This is already at the $10k I want, so I don’t contribute to it monthly.
Investment contribution
It varies but on average I contribute $2,500/month to my brokerage account and Roth IRA (combined).
Donations
I try to donate about $200/month, but it’s pretty sporadic. This month I donated to the Yellowhammer Fund and Northwest Abortion Access Fund. One of my major goals for 2021 is to step up my donations and create an actual strategy around them, potentially involving a donor-advised fund.
Gas/electric
Our gas is $20-25/month and electric is $50/month. I pay gas and Will pays electric, both go in Splitwise. About $37/month total for me.
Wifi
Our wifi is $60/month, which goes into Splitwise—I pay $30/month.
Cellphone
I’m still on my parents’ phone plan—sheesh! This is convincing me that I should Venmo them for it each month.
Subscriptions
I pay for Hulu with ads, $5.99/month. My boyfriend pays for Netflix and we share a Spotify family plan with a couple of his friends, which I chip in $4/month for.
I also pay for the budgeting software YNAB (You Need a Budget) which is $84/year. I only pay it once a year in September.
Medical
I recently had to go to the emergency room for an overnight stay and follow up with some specialists. (I’m okay!) Because of that whole shindig I’m expecting to max out my deductible (and potentially my out-of-pocket-max) right at the end of the year. This will be about $4,000, but none of the claims have come through yet so I’m not sure of the exact total. I have a category in my budget for my deductible, and the rest will come out of my emergency fund.
Physical therapy
This month I’m starting pelvic floor physical therapy for dyspareunia (pain with intercourse).
I’d tried everything the internet suggested (“just relaaaaaax”) before getting the courage to find a new ob-gyn and ask her about it. She had some recommendations, but ultimately physical therapy was the “last resort” option that I’m now exploring.
My new physical therapist comes highly recommended but is out of network with insurance. Each session is $250, and I’ll go once every 2-3 weeks for the next few months as part of treatment. If you’ve worked through this problem (or are experiencing it now!) I’d love to hear your experience.

Section Four: Additional Questions
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
Absolutely. My dad was the first in his family to attend college and my parents made pretty calculated decisions about where they would live so I could go to the absolute best public school possible. Over 90% of students at my high school attend a 4-year college, and we start talking about it freshman year. To say college was encouraged in my environment is an understatement.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
My dad has worked in finance since I was about 10. He’s always been really knowledgeable about both higher-level economic concepts and the minutiae of personal finance. My family is frugal, too: we clipped coupons and got clothes on super-sale at Kohl’s and Goodwill. I know there was a period of time when he became self-employed and money got very tight for a few years, but the bulk of those worries were largely kept from me.
Did you worry about money growing up?
Yes. While we were comfortable, we lived in such an affluent place that our family was in “the middle class” of the town and it made me worry more about money than I probably needed to. Think The Stepford Wives for context.
At what age did you become financially responsible for yourself and do you have a financial safety net?
In college, I became maybe 80% financially independent as I had a scholarship and worked part-time during school and over the summer, but I was still on their insurance.
I remember being frustrated in college because even though I knew I was extremely privileged, my friends in college had their parents pay their summer apartment rent and gave them an “allowance” of spending money, and I was “limited” by the options I could afford with the job I had. My dad told me at the time, “This is frustrating but it’s preparing you for actually having to live off the money you make in the near future.” (Great, great advice Dad.)
I’m technically still financially dependent on my parents for my cell phone bill, but otherwise I pay for everything: rent, insurance, utilities, food, therapy, and all wants in the form of clothing, workout classes, etc. I could ask my parents for money if I absolutely needed to, but would use it as a last resort.
Do you or have you ever received passive or inherited income? If yes, please explain.
I have an account (mentioned above) that a family friend who’s a hedge fund manager, well, manages. I believe the initial deposit was $1000 over 10 years ago, but that money wasn’t mine either, it’s all a gift. It’s not very liquid—it’d take me several months (and some very good reasoning) to get any of that money withdrawn, since it’s supposed to be for “the future” (which I guess I could argue is now?).
I might receive a small amount of money when my grandmother passes, but it’d probably be around $1-2k, if at all.

Day 1 Wednesday, November 25, 2020
8:30am Wake up and shower, take my vitamin C gummies, then make coffee. I wasn’t much of a daily coffee drinker until my offices had it for free, and now I’m definitely addicted. I don’t really care if the coffee is shitty or not, I just put some milk in it and it’s great. Right now I’m trying to drink half or three-quarter cups so I can attempt to pull back my addiction a bit. I log onto work at 9am.
11:30am Eat leftovers from last night for lunch—quesadilla + Spanish rice. There’s an incredible Mexican restaurant by us, and now I am ruined for the tacos, quesadillas and nachos from any other place.
12:30pm Will picks me up in the U-Haul. We’re driving about 20 min away to pick up a butcher block desk he bought off Craigslist, which ends up being from a small office that’s downsizing. The desk is $150 which he pays for. We love the office’s style (and the owner is super nice!) and walk around while he shows us what else he’s trying to get rid of.
We end up buying an extra-large ZZ plant and two side tables from him for an extra $120, way less than we would have paid for the quality elsewhere. My half will be $60, and I’ll split the U-Haul too, $44.51. $82.26
2:45pm That ended up taking a lot longer than we expected! We get back and unload the van, then I bring stuff inside while Will returns the van to the U-Haul location. I jump back onto work—so much for a slow afternoon before Thanksgiving. AWS is down, which powers a lot of our engineering work (and a lot of the internet!) so a lot of our teams are basically twiddling their thumbs. We chat about how to message the outage to customers.
5:45pm Will starts making dinner (braised chicken and veggies) and I sit down to read with a strawberry Chobani, but I end up just reading Reddit and searching for new podcasts to listen to.
7:45pm Dinner was great! Now…ice cream.
9:43pm I remember that my mom sent me ideas for her and my dad’s Christmas presents, so I order on Etsy and Amazon. My dad gets a mug with an Ernest Hemingway quote (“write drunk, edit sober”) ($21.54) and a book on writing ($16.63), and my mom gets this food warming tote contraption she wanted ($43.52). We’ve been paring down Christmases over the years—this year I asked for the Europe version of Ticket to Ride. $81.69
11:15pm I finish up the first episode of Real Housewives of Salt Lake City with some white cheddar Cheez-Its to snack on. After, I start on the dishes from dinner. I listen to the Product Market Misfits podcast while I do dishes—the episode with Kristen Anderson from Catch is great, highly recommend if you’re tired of just hearing stories about stereotypical Silicon Valley tech companies.
Day 1 Total: $166.69
Day 2 Thursday, November 26, 2020
10am Wake up super late since I stayed up scrolling on my phone too late last night. We make coffee and set out for a long walk around 11:15am.
12:05pm At the end of our walk, we swing by our local liquor store and buy 4 bottles of wine (red, white, rose, champagne). Will pays, total is $63.15 for everything. We haven’t had wine in the apartment for ages and I’m excited to have some stocked up. $31.57
12:30pm Get back from the walk, shower, then turn on football. I actually don’t really care about any NFL teams (I like college football a lot more), but it’s such calming background noise for me that I find myself looking for games when I have downtime. We also recently found out that Will’s friends’ dog only has a few months to live, so we order some jerky treats and a squeaky toy for him. $14.07
2:30pm We head out to the restaurant we’re going to for Thanksgiving lunch, a local place a short walk from our apartment. They’re doing a prix fixe menu of the classics—turkey, mashed potatoes, stuffing, green beans, and a phenomenal tarte Tatin with ice cream for dessert.
We eat outside under heat lamps. It’s super cozy. With our bottle of wine and tip the total is $208 (I try to tip over and above the norm because it’s a pandemic and Thanksgiving). My half will be $104.
5:53pm Get back from the restaurant. We have a ton of leftovers which is awesome (I think it’s excessive frugality, but I almost expect to stretch takeout or restaurant meals into two meals). Exchange some texts with my friends about their socially-distant Thanksgiving celebrations.
I turn on the Washington vs. Cowboys game right at the halftime show, which is Kane Brown with the Dallas Cowboys Cheerleaders. They’re all wearing masks (except for Kane) and it’s so odd to see them dancing in masks. I mean, I’m glad they’re wearing them, but it just seems like we could have gone without the halftime show this year.
9:21pm I order contacts from Contacts Direct. I got a new prescription but didn’t have a great experience with the eye doctor, so I’m hesitant about this order—only ordered one box of 90 lenses for each eye instead of a year’s worth of lenses. I’ve been getting headaches pretty frequently, so I’m hoping getting a new pair of glasses and alternating those (instead of wearing my contacts for 16 hours a day, every day) will help. $29.98 after insurance benefits
Day 2 Total: $179.62

Day 3 Friday, November 27
8:56am Wake up super last minute, run to sign onto Slack and then start grinding coffee beans. I’m online and drinking a big mug of coffee by 9:10. (So much for half cups.)
10:45am Come up for air from work and grab the stuff to make a bagel. Everything bagels and plain cream cheese are my go-to combo.
12:03pm I grab a bag of clothes to drop off at the donation bin and a couple library books to return. The library is about a 25 minute walk so it’ll be a nice lunch break diversion.
12:56pm After the library I stop by the grocery store for some paper towels and sponges, since we’re almost out. Total is $22.62, my half is $11.31
1:09pm When I get home I jump back into work and put the USA vs. Netherlands game on my second monitor. By the 75th minute, the US is up by 2 goals so they start putting in some younger players—it’s fun to see Midge Purce and Sophia Smith play! I also throw some bagel bites in the oven for a quick snack and promise myself dinner will be healthier.
4:23pm I zone out of work and start playing Among Us. I end up playing for over two hours. We open a bottle of wine at some point and I get super tipsy.
6:50pm Turn on the tail end of the Notre Dame vs. UNC game. It turns into Jeopardy, which turns into Wheel of Fortune, which I’m not mad about. P isn’t as into the game shows and leaves to microwave a plate of leftovers from Thanksgiving dinner and play video games.
8:40pm Finally getting hungry after my bagel bites and Cheez-Its this afternoon and make a plate of Thanksgiving leftovers—turkey, mashed potatoes, green beans and cauliflower. Yum.
Will and I end up getting in a tiff about the mess in our apartment so we take a break, cool down and talk it through. I watch a couple episodes of Sister Wives and go to bed around 1:30am.
Day 3 Total: $11.31

Day 4 Saturday, November 28, 2020
10:05am I stayed up late (again) so it’s nice to sleep in. I play Among Us for awhile and have a couple rounds where I’m the impostor and get some great kills and wins. I run out into the living room and celebrate with Will. We laugh because it’s silly how much we love the games we play. Around 10:45 I start making coffee.
11am We desperately need new sheets because our fitted sheet has a huge hole at Will’s feet (and it’s growing). I search a women’s personal finance group I’m in on Facebook for recommendations and we end up buying a queen sheet set from Belk. Total was $100.71 with their sale. $50.35
1pm I was planning on returning a package to the post office today, but forget it closes at 1pm on Saturdays so I decide to run to Target instead. I have a lampshade to return and want to look for a shower caddy as well. I also have an old iPad to return, which Will tells me I can do at Best Buy. He finds an old iPod and flip phone I can take too.
Take the MTA there ($2.75 for a single fare). When I get there, it’s a madhouse and I remember that I have sillily (is this a word?) decided to come on the weekend of Black Friday. I stand in the returns line for about 15 minutes and get $10.89 back, but ditch the idea of trying to look for a shower caddy. The checkout line looks like 100 people long. -$8.14 because of return
Next I go to Best Buy, but who am I kidding—the line to get in the store is even longer than the Target checkout line. I walk back to the subway and get on to go home. $2.75
2:30pm Since Best Buy was a no go, I search for electronic recycling around me on the way home just to see where I could drop off the devices I have. Apparently there’s an EcoATM not too far from my subway stop. It’s more for selling devices, but if they can’t give you money for something, they’ll recycle it, which is exactly what I wanted. I put each of the pieces in the scanner, and end up getting a whopping $2 total (for Will’s old iPod). Still cool because I was just expecting to recycle it all. I’ll give Will the $2.
2:44pm There’s a Dunkin nearby so I pop in to grab a couple donuts ($2.90). There’s a woman outside asking for money, so I give her $5 cash. $7.90
3:00pm Last stop—our favorite deli is nearby and Will mentioned he wanted to get bacon there recently. I get a 1/2 lb and salivate on the way home. This is one of those things I won’t put in Splitwise because it’s small and because it’s fun to get for P as a tiny little present. $3.50
3:45pm Once I’m home I’m super hungry from only eating carbs all morning so I have a snack of carrots, hummus and some pepperoni. I head back out to drop off a bag of clothes and shoes at a drop box a few blocks away. The neighbors are outside at the park near our house so I stop and chat with them for a few minutes. Their kids are the cutest.
6:47pm For dinner I make a ham and cheese sandwich (panini style with rosemary butter) and more carrots and hummus. I put on another episode of Sister Wives. These people are so fascinating to me—first off, I think the husband is completely full of himself. But I’m also so curious about the wives. There are a lot of talking head testimonials where the parents explain that they’re “oppressed” because they’re different and want to go public so the world can see polygamy as a valid family style (I’m only on season 2).
I know they’re probably playing up the “we love our other sister wives and have so much fun together even without Kody” aspect because people expect sister wives to be catty and hate each other, but I can’t help but wonder why they need to be in plural marriage to get the same friendship they seem to value so much. I also doubt they’d extend the same grace and tolerance they want to people who are “different” because they’re LGBTQ, or “different” because they’re in an open relationship or marriage.
9:15pm I mix together oatmeal chocolate chip cookie batter and put some cookies in the oven. While I’m waiting, I browse Zocdoc for well-reviewed providers—I want to make a podiatrist appointment for a lingering toe issue and an audiologist appointment for a routine hearing screening. I got the idea to make these appointments since I’ll hit my out-of-pocket max with the hospital visit, making them free or very discounted. I make two appointments for next week.
I also lust over a Farm Rio puffer jacket that feels overpriced but I just love. Maybe I’ll buy it tomorrow since they’re having a 30% off sale.
Day 4 Total: $64.50

Day 5 Sunday, November 29
8:58am Wake up and switch between scrolling on Reddit and playing a few Among Us games. After a bit Will gets out of bed and makes coffee for us.
9:45am Will finishes the movie he started last night and we start on breakfast. We’re making the bacon I bought yesterday, breakfast potatoes with onions, and a fried egg for Will (I can’t stand the taste or smell).
11:00am Yum! Breakfast was great. I watch a couple episodes of Sister Wives and mull over buying that ridiculous but amazing puffer jacket from Farm Rio. I’ve still been thinking about it since last night and I might take the plunge.
1:25pm I get a jolt of motivation to work out and do a 20 minute Sydney Cummings video on Youtube. I heard about it from a recent Money Diary posted here! After it’s done I’m so, so tired. I stretch and unpause my episode of Sister Wives.
2:22pm I help Will move the butcher block slab for his desk out to our backyard. We live on the first floor of a single-family home that was converted into apartments, so we get the backyard too—it’s awesome to have outdoor space in the city. P works on sanding it and applying poly for the next couple hours.
5:07pm Will suggests pizza for dinner and I am always, always down for pizza. I order pickup from the spot down the street—one grandma, one cheese and 2 orders of garlic knots come to $38.60. We’ll have leftovers for tomorrow too. $19.30
5:50pm We pick up the pizza and dig in. While we’re eating we turn on the Chiefs vs. Buccaneers game; Will has a few players on his fantasy team in this game.
6:57pm I sign up to write letters to Georgia residents encouraging them to vote in the Senate runoff elections in January. This is through Vote Forward—I did 20 letters for the general election in November and want to participate again. I’ll print the letters at a local coffee shop since we don’t have a printer at home.
Will sends me this Reddit comment about campaign finance since we’ve been talking about it recently. I decide I’m convinced by the argument and set up a $5 monthly donation to Brand New Congress. $5
8:19pm After texting back and forth with my friend all day, I buy the puffer jacket—so excited. She encouraged me to get it and is pumped for me too. $228.64
I also notice my paycheck has started processing in my checking account (I get paid tomorrow), so I enter the amount in YNAB and budget it all. I earmark about $1500 to go into my brokerage account tomorrow. I won’t include it here as “spending” since it’s included in the overview section above.
Day 5 Total: $252.94

Day 6 Monday, November 30
8:43am Wake up and turn on my Slack. Will started the coffee process and I finish it up by pouring the water into our Chemex and letting it steep (I know there’s a coffee-centric word for this...).
8:56am I check my Citi card and my YouTube TV trial rolled over—I was going to cancel it this morning, which I thought was the last day. I email support to see if they’ll refund me, because (I promise I’m not just saying this!) I did have a pretty bad experience. The Roku app was glitchy for us every time we watched something. Maybe they’ll feel nice today! $64.99
9:35am After responding to a few work messages, I run out the door to the post office to avoid a long package line. I did the Warby Parker 5-day home try on and have to return my box of glasses today. I found a pair I really like and am excited to get in the habit of wearing glasses again, instead of just my contacts.
Thankfully the line is only a few people long. The employees are also super nice every time I go, so I try to be really pleasant too. The lines are usually long and I’ve seen more than one adult have a fit at this post office. It’s rainy today and I couldn’t find our umbrella, so my flimsy rain jacket gets pretty soaked through on the walk back.
11:35am My podiatrist appointment is supposed to be tomorrow morning, and they call me to tell me since I haven’t hit my deductible, I’ll have to pay out of pocket for the visit. I explain that I’m 100% going to hit my deductible, the claims from the hospital just haven’t processed yet. I ask her to bill my insurance first for the visit, then I can pay whatever ends up not being covered (if anything). She agrees!
Maybe this is standard, but I’ve never had it happen before—even if I haven’t hit my deductible, I’ve always been to offices that bill insurance first, then I pay the remaining balance.
1:05pm Lots of meetings today. I break for lunch and heat up the braised chicken with veggies. It’s definitely on its last good day, so I’m glad I used it up. Still yummy!
2:20pm Woohoo! Get an email that my YouTube TV charge was refunded. -$64.99
Will ran to Home Depot today to buy some tools for his desk and also got a shower curtain liner since ours is ripping. I go to put it up in the bathroom but my arms are so sore—like I got my flu shot type of sore.
5:05pm Sign off work after trying to wrangle a supremely frustrating SQL query. I don’t get it but figure I can ask our analyst team for help tomorrow. Will will have a late night working, so pizza and Sister Wives is in my near future.
While watching, I update YNAB to reflect the end-of-month balances for my investment accounts. I get a huge dopamine hit by seeing my net worth number go up. I’m also anticipating it going down a bit next month because of my medical bills, so I relish the moment.
8:09pm It suddenly dawns on me that my arms are sore because I worked out yesterday. It’s so rare now that I literally forget when I do it. Ha!
9:15pm We watch the Eagles vs. Seahawks game and I absentmindedly play Among Us. I end up getting ...bullied by a person playing it? They get mad that I figured out they were the imposter and start saying all these schoolyard-type digs throughout the next couple rounds, but level 100 of cruel.
I’m embarrassed by how sad it makes me but think maybe it’s a good thing I don’t immediately know what to say to bully people back. Such a weird experience. I end up going to bed around 11:30.
Day 6 Total: $0

Day 7 December 1, 2020
7:07am Wake up late for my alarm at 7. I’m up a lot earlier today because my podiatrist appointment is first thing. I get dressed in the dark, kiss P goodbye, grab my water bottle and run out the door to the subway by 7:30. $2.75
8:10am Get to my stop and swing by Starbucks before the appointment. I get a vanilla latte and the bacon cheddar and egg sandwich. Total is around $10 but I have a gift card loaded onto my Starbucks app.
My spending here went way down when I switched jobs to an office not close to a Starbucks, and then stopped going into an office at all.
8:30am My appointment goes great, if a little painful when she numbs my toe. I had to get an ingrown toenail removed. I danced ballet and pointe for years so I’m (unfortunately) used to them, but this one was terrible. The doctor and I bond over both being dancers with bad feet and they schedule me for a follow up two weeks out.
She actually says there’s been a rise in these procedures because people aren’t getting pedicures since the pandemic and aren’t cutting their toenails well! Wild.
I look silly on the subway in December wearing Birkenstocks and socks with a huge toe bandage. It looks like one of those cartoon characters who stubs their toe and it becomes 10x bigger than their other toes. $2.75
9:40am I get off at the stop before mine to stop at Rite Aid. I grab Neosporin, band-aids and epsom salt and check my notes for anything else she mentioned about caring for my toe. $12.97
10:00am When I get home, I hop into work and working with our engineers on a promotion for the New Year. I also catch up with Will since he stayed up late last night and I got up early for my appointment. He says he ended up staying up until 3:30am (!!) cleaning up his tools, working on his desk and putting up the shower curtain. I’m floored that he is functional right now after waking up at 8.
12:15pm Heat up the last of the pizza for lunch, along with hummus and carrots.
5:20pm Work is average-paced for the rest of the day. Not doing nothing, not totally over my head. Will puts in potatoes for baked potatoes to have later, which we’ll pair with a salad. We’re getting close to needing a grocery run again, so the meals are becoming more of a mishmash.
We listed a couple things on our local Buy Nothing group last week, so a woman comes by to pick up a wifi router we can’t use anymore. Would totally recommend looking up if there’s a group in your area—they’re usually on Facebook.
6:30pm After dinner I watch more Sister Wives and look up RIP Medical Debt, a nonprofit one of my friends shared for Giving Tuesday. They buy unpaid medical debt from collections, so $1 ends up paying off $100 of someone’s medical debt. I give $50 to the Arkansas campaign, which will clear $5,000 of medical debt.
As Will said earlier today, “medical billing in America is a racket” so I really hope this helps clear a burden from an individual or family. Doing this reminds me to check my insurance portal, which is steadily going up as each separate claim comes in. Ahhhh, modern healthcare! $51.49
At the end of each day please tally up your daily expenses. Then at the end of your diary please tally up all expenses in the following categories:
Total: $719.33

Grocery + Dining Out: $157.77
Fun + Entertainment: $0
Home + Health: $164.67
Clothes + Beauty: $228.64
Transportation: $11.00
Gifts + Giving: $157.25

Reflection This week felt like a big spending week for me. I checked YNAB and since January, I’ve spent about $1600 per month, not including rent—so about $400/week. That’s why this week’s $719 feels so high!
Writing this diary helped me understand how many things I have going for me. I’ve recently been in a huge funk—about my health, my performance at work and my relationships with family, friends and P. Going to the hospital, needing physical therapy to have sex and being in a pandemic will do that to you.
I was able to zoom out a bit and understand how stable and gratifying my life is. That being said, I’m so glad this community exists. I really love it and learning about all your spending and saving habits. Thanks for being here and sharing :)

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