Former Everton centre back Johnny Heitinga claims he has had to cut back on spending and can no longer afford private jets, stylists or the fanciest villas since hanging up his boots.
The Dutchman, who also played for Ajax, Atletico Madrid, Fulham and Hertha Berlin, retired from the game in February 2016.
Heitinga, now 33, says he is now having to 'adjust' to his new life and insists he and his family no longer live the luxury lifestyle they used to enjoy.
'When I was still playing football we had a lot more money coming in.