Mike MilliganFounder and CEO, 1.oak Financial · Founder and CEO, 1.oak Financial

What Texas’ 4th-Quarter Comeback Teaches Us About Money

14 Sept 2026 · 1 min

Watch on YouTube

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In this YouTube segment, financial commentator Mike Milligan recounts Texas’ dramatic 4th‑quarter comeback over Ohio State—trailing by 20 points before Arch Manning sparked 21 unanswered points to win 24‑23. Milligan uses the game as a vivid metaphor for financial setbacks, arguing that just as a football team can overturn a large deficit, individuals and retirees can reverse dire financial positions. He urges financial advisors to stop treating a client’s 20‑point‑like shortfall as a lost cause and instead present a concrete, paper‑based ‘comeback plan’ that outlines actionable steps, thereby enabling clients to envision and achieve a revitalized, “one‑of‑a‑kind” life.

Chapters

Texas going into the match, the game was ranked number 4, Ohio State number 1. They trailed by 20 points in the 4th quarter. Arch Manning led 21 unanswered points. The final score, Texas 24, Ohio State 23. This morning, the Longhorns are the AP number 1 team in the country. Comebacks matter. They matter in football. They matter in the markets. They matter in retirement plans. They matter in life. When someone tells you they are down 20 in the 4th quarter of their financial life, your job is not to tell them the game's over. Your job is to show them what a comeback plan looks like on paper and help them realize they can live a one-of-a-kind life.