Agreed. A lot of issues with footballers blowing money in their playing days comes from those that grew up in the academy system and never really got taught how to actually grow up, mature, and learn how to manage their money properly.
Wayne Rooney would certainly have fallen into that category (we got glimpses of it with the prostitutes and drink driving), but ultimately he had Coleen and her family to keep him (mostly) on the straight and narrow and work towards a long term future. I know he's in management now, but I can't imagine Plymouth Argyle paying him millions!
I saw an interview with Gareth Bale recently and he's another footballer with his head screwed on. He has obviously been very sensible over the years and now he's retired has walked away from football entirely. He now works for the RNA helping try and develop golf at a grass roots level and make it more accessible to kids, all while almost being good enough himself to become a pro in the game if he wanted to.
Jamie Vardy is, I think, on the sensible side also as up until Leicester's unexpected and sudden rise through the rankings, he wasn't used to the big £££ (I think he's the only player ever to have stayed with the same team through all the leagues and end up a PL champion). He's obviously been taken in by the charms of RV and comes across as being a bit stuck! It was very noticeable, as a PP said, that he attended court so rarely, whereas Wayne was by CR's side the whole time.