If Devin Leary is worth 4 mil, then Sam needs to go get his check. There are scenarios where the pay day could parlay him to a solid life, with whatever supplemental income he needs to otherwise earn.
I hate NIL, but let's be honest, every single one of us would take the money. The griping about it online here are even more bullshit when you consider that Sam has played his 4+ years. He's given to Wake all that was expected of him.
If Sam were my son and my son could earn generation-changing wealth at 23, I would advise him to not think twice. I would hope he would invest most of it.