James Nicholas is a golfer competing on the Korn Ferry Tour, and his openness and reliability have attracted a large social media audience, with over 500,000 followers on TikTok and Instagram.
A native of New York, Nicholas finished the season ranked 64th on the KFT points list, which has ensured that he retains his KFT card for 2026 and also made the cut at this year’s U.S. Open.
This week, the 28-year-old shared a comprehensive overview of his 2025 finances. He discussed these numbers in detail with me, Gianni Magliocco, covering a pre-cut week budget of $4,000 that can rise to $5,800, content creation within his routine, and advice for newcomers about accumulating the necessary $20,000 to $30,000 to start.
Finances: Budget and Expenses
Gianni: Your total expenses for 2025 reached $150,000. How did that compare to your initial budget, and what unexpected costs arose?
James: I initially budgeted between $110,000 and $125,000, which is typical for the Korn Ferry Tour. While alternatives like host housing and long drives can save money, I realized it was worth spending a bit more for comfort. The budget exceeded due to my caddie’s bonus, which constitutes 8% of my earnings, totaling around $30,000, which quickly pushed costs higher. However, this is essential as it means my earnings will also increase.
On the Course: Schedule and Strategy
Gianni: With your average weekly expenses at $5,800, what do you need to earn to break even, and does this financial pressure influence your decisions during play?
James: Financial constraints do not alter my shot selection. I’ve effectively leveraged social media to earn additional income, allowing me to approach golf without constant financial pressure. In planning, I earmark about $1,500 for my caddie, $1,200 for accommodation, $300 for rental, with total travel costs around $4,000. I do not account for certain expenses until after the cut, ensuring I remain focused on the game.
Off the Course: Investments and Content Strategy
Gianni: Should you get a PGA Tour card, what financial changes do you anticipate, especially regarding investments?
James: I am proactive with my investments, guided by my brother, a wealth manager. If I earn the PGA Tour card, my priority would be purchasing a home, as my wife and I have been saving for that. Personally, I value experiences over material possessions, preferring to invest in travel and memories.
Advice for Rookies
Gianni: What critical budgeting insight would you share with upcoming professionals?
James: The key is to secure sponsorships early on. Seek financial support to help fund your path, especially getting through Q-School, which can require $20,000 to $30,000. You don’t need a massive budget upfront; instead, focus on establishing a club presence and increasing your social media visibility, which can make you financially stable, allowing you to concentrate on improving your performance on the course.
