Shows the disparity in earnings rather than the level of football they are capable of playing at. They can put their feet up, play at half tilt and still bang in goals at the latter end of their career and particularly for McMillan St Johnstone are probably still paying him a significant wedge. It's when he is retired and the money is spent that he might regret opting for money and not having targeted more medals and memories of European nights. Nothing particularly wrong with his choice but it is a common trend that retired footballers regret placing contracts as more important than the chance to win silverware. On a very different level but Alan Shearer one of those examples.
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