We assembled a panel of smart dudes -- a two-time Super Bowl champ; a couple of NFL linemen, including one who's getting a math Ph.D. at MIT; and our resident economist -- to tell you what to watch for, whether you're a football fanatic or a total newbie.

Just a few decades ago, more than 90 percent of 30-year-olds earned more than their parents had earned at the same age. Now it's only about 50 percent. What happened -- and what can be done about it?