The College Football Playoff has arrived, and the boys are officially on the clock. With a quiet on-field weekend behind them, the crew dives headfirst into the madness of the new 12-team playoff format, breaking down every matchup, upset possibility, and storyline that matters.

They react to a polarizing Heisman ceremony, debate whether the award has lost its shine, and unpack the chaos surrounding the transfer portal—especially the alarming churn among five-star quarterbacks. From coaching scandals and carousel shockers to NIL reality checks and recruiting myths, nothing is off limits.

Then it’s bracket time. The guys run the entire playoff from first round through the national championship, highlighting sucker bets, road environments, coaching mismatches, and why Georgia looks built for another January run. Along the way, they disagree loudly, laugh often, and somehow still all land on the same national champion.

If you want playoff context, honest takes, and a roadmap to Miami—this is the episode.

📝 Show Notes🔹 Opening Thoughts

• A rare quiet college football weekend
• Army–Navy delivers as always
• Heisman ceremony reactions (and boredom levels)
• Transfer portal season officially underway

🔹 Coaching Carousel Chaos

• Unexpected scandal shakes Michigan
• When “hold my beer” moments go too far
• Why today’s carousel feels more unhinged than ever
• Coaching exits, rumors, and the NFL wildcard

🔹 The Heisman Debate

• Was the winner deserving—or just inevitable?
• Has the Heisman lost its prestige?
• Voter groupthink and media narratives
• The Diego Pavia subplot (and meme culture fallout)
• Why this award no longer feels like must-watch TV

🔹 The Five-Star QB Problem

• Shocking stat: almost every recent five-star QB has transferred
• What this says about development vs. instant gratification
• NIL expectations vs. long-term growth
• Why patience may actually be the rarest trait in college football

🔹 Transfer Portal Reality Check

• NIL money, brand deals, and unintended consequences
• Why “getting paid” doesn’t always mean getting better
• The TJ Finley phenomenon and portal fatigue
• What quarterbacks should be prioritizing

🔹 12-Team Playoff Bracket Breakdown

First Round

• Alabama vs. Oklahoma (Friday night chaos)
• Oregon’s path and the “sucker bet” debate
• Miami vs. Texas A&M at Kyle Field
• Ole Miss vs. Tulane (or “No Lane vs. Two Lane”)

Quarterfinals

• Why some paths are dramatically easier than others
• Buy-week advantages—and whether they actually matter

Semifinals

• Georgia’s defensive evolution
• Ohio State vs. Miami: scriptwriting vs. substance
• Oregon’s staying power

National Championship Prediction

• Georgia vs. Oregon
• Kirby Smart vs. Dan Lanning
• Why the Dogs look built for another title run

🔹 Final Thoughts

• Why this playoff format is already exposing flaws
• SEC vs. Big Ten narratives incoming
• What to watch closely as the games unfold
• Adjustments guaranteed (because opinions are flexible)

🏈 Final Score

🔥 Consensus Pick: Georgia wins the National Championship

As always, this episode is powered by the J. Stein Law Firm -a personal injury law firm in Atlanta, GA - www.jsteinlawfirm.com