Mike Rowbottom

Usain Bolt is facing two big challenges this month. Number one: reaching the end of his illustrious career unbeaten in major championships. And number two: reaching the end of his illustrious career.

However task number one turns out, the man described by American actor Samuel L. Jackson this week as an "outstanding dope-ass motherf****r" will surely have a greater challenge with task number two.

Bolt has said he wants to continue his connection with track and field, hinting strongly that he is interested in pursuing the path he followed earlier this year when he bought into the franchise offering the Nitro Athletics event in Melbourne. His team - the Bolt All-Stars - were prominent in a refreshed and experimental programme of events.

He believes that model is the way forward, and if anybody can make it work, surely it is him. 

We will see.

Usain Bolt, pictured in training yesterday before the IAAF World Championships that start in London tomorrow, may face uncertainty when he retires - but not of a financial kind ©Getty Images
Usain Bolt, pictured in training yesterday before the IAAF World Championships that start in London tomorrow, may face uncertainty when he retires - but not of a financial kind ©Getty Images

Even for Bolt, however, the brutal fact of being an ex-athlete will make itself felt later or sooner - as a Bolt from the blue, or a rising realisation. 

It is clear, at least, that money worries are unlikely to be a problem for the world's highest profile athlete. Estimates of the triple Olympic 100 and 200 metres champion's worth vary, with Forbes magazine recently offering a figure of just over £25 million ($33 million/€27 million), around £2 million ($2.6 million/€2.2 million) of which has come from career earnings and the rest through sponsorship deals and marketing.

Whatever the numbers, Bolt is never going to have that stomach-sinking feeling as the brown envelopes drop through the letter box.

You'd like to think it would be the same for other sportsmen and women who have reached the status of being Olympic medallists, or even gold medallists. Not so, sadly.

This week Gail Emms, an Olympic silver medallist at the 2004 Athens Games, has written a blog that describes in plain and painful detail the experience of struggling for money, worrying about bills, battling for mental fortitude, seeking to remain as a "strong role model" for her two young boys.

Of course, this is not something uniquely suffered by former sporting figures. But the stupid thing is that, very often, the extraordinary qualities of character that have enabled these sporting figures to succeed in their closed and pressurised environments are not recognised or incorporated into broader society, with the result that a wealth of experience goes to waste.

Emms is one of Britain's most successful badminton players, best remembered for her silver medal in the mixed doubles at the 2004 Olympic Games in Athens. With partner Nathan Robertson, she won gold at the World Championships in 2006, the Commonwealth Games in the same year, and the European Championships in 2004.

She retired after the Beijing Olympic Games, and received an MBE for services to badminton a year later. Since then she has worked as a sports presenter on a variety of television and radio programmes, and in 2015 she was winner of ITV's sporting challenge series Eternal Glory, defeating others including James Cracknell, Shane Williams, Liz McColgan and Matthew Le Tissier in a testing range of physical and mental tasks.

But sporting glory is not eternal, as Emms makes clear.

"I have a big pile of them now," she writes on The Mixed Zone. "Letters from my bank to say I have missed yet another payment for either council tax, phone or utility bill. And every time I open them, it is another reminder that I feel like I am failing. That I, Gail Emms, Olympic silver medallist, am a failure.

"As anyone else in my financial situation will testify, it hurts. I cry a lot and do what I can to make the payment, sell stuff on eBay and hope there is enough work next month. Some months are good and I get to do what I love best, inspiring kids in schools, motivational talks at 'women in business' events. But it gets harder each year to keep my profile and get bookings."

Britain's former Olympic silver medallist and world champion badminton player Gail Emms, pictured on the red carpet earlier this year, has revealed that her life is not all glamour this week ©Getty Images
Britain's former Olympic silver medallist and world champion badminton player Gail Emms, pictured on the red carpet earlier this year, has revealed that her life is not all glamour this week ©Getty Images

She adds: "Another rejection, another 'not making the interview', and all my demons come back to haunt me. A sportsperson relies on ego and feeling great. A sportsperson is ambitious, determined and wants to show off what they can do. Rejection, failure and losing just doesn't compute.

"But why would someone employ me? I have a CV that reads 'played professional badminton for 10 years'. And I have just turned 40 years old. I have no qualifications other than a sports science degree completed in 1998. I haven't had any experience in any organisation or company…

"There has been a lot of talk about supporting athletes post-retirement for mental health and, right now, I need that support. I am feeling lost and with no direction, no purpose, no career, no identity and who the hell do I go to?"

A day before Emms' piece appeared, another distinguished British Olympian - rower Alex Gregory, five-times a world champion and a gold medallist in the coxless fours at the London 2012 and Rio 2016 Olympics - described a familiar sinking feeling in a piece published on The Polar Row site.

"I hate the world retired," Gregory writes. "I'm not retired, I'm only 33 after all. But it's the word that gets used when you leave a sport and there's nothing much you can do about it. 

"Six months into this new, strange life I woke up suddenly with a start. A sweat on my brow, a feeling of panic rising up inside me. Who am I? What am I? What am I going to do for the rest of my life? Time is running out...

"I have a young family, three small kids who rely totally on me to put bread on their table. 

"We rent a small cottage in South Oxfordshire and I have just come out of 16 years in a sport that supports but really truly doesn't pay. People find it hard to understand, assuming that an Olympic gold directly equates to money. I can say with my hand on my heart that it certainly doesn't."

Gregory, in the manner of another double Olympic champion in that particular boat, James Cracknell, has responded to the challenge of retirement by signing up for another huge sporting challenge - in Gregory's case, becoming part of the crew planning to perform the Polar Row across the Arctic Ocean later this year. But as he makes clear, he's "at the bottom of his overdraft" and in urgent need of sponsorship assistance…

Britain's double Olympic gold medallist in the coxless fours rowing, Alex Gregory, displays the MBE he received in 2013. He is also discovering the harsh financial climate facing even the highest-performing elite athletes once they retire ©Getty Images
Britain's double Olympic gold medallist in the coxless fours rowing, Alex Gregory, displays the MBE he received in 2013. He is also discovering the harsh financial climate facing even the highest-performing elite athletes once they retire ©Getty Images

In 2008, Britain's 800 and 1,500m champion from the 2004 Athens Olympics, Kelly Holmes, set up the Dame Kelly Holmes Trust (DKHT), which was dedicated to helping athletes from a range of sports to deal with the mental and practical impact of retiring - something which hit Holmes hard when she hung up her spikes in 2005 - and to become actively involved with disadvantaged younger people.

Earlier this year another retired multi-medallist, 11-times Paralympic wheelchair champion, Baroness Tanni Grey-Thompson, oversaw the publication of a Department of Culture, Media and Sport report on its Duty of Care to athletes.

In response to the report, the DKHT chief executive Emma Atkins wrote: "We welcome Baroness Grey-Thompson's independent report to Government on Duty of Care in Sport, which outlines the clear need for athletes to receive additional support to prepare them for leaving a talent pathway or retiring out of sport.

"The Trust has been supporting athletes to lead positive post-sport lives since its formation in 2008. We understand the need for this process to begin during an athlete's sporting career; something which is acknowledged as part of this review.

"The report also touches on the potential of this group to be an asset to society beyond sport. We have proven that given the right training and care at the right time, world class athletes can be a positive force for social change in communities.

"This is evident from the £23 million ($30 million/€26 million) of social value generated over the past four years by athletes delivering on our programmes for young people facing disadvantage."

The financial data is there to back up the idea - connecting former high-achieving athletes back into society is a win-win situation. Harnessing the discipline, competitiveness and fortitude of individuals such as Emms and Gregory is such an obviously sensible thing to do.

Where the Dame Kelly Holmes Trust has led, others must surely follow.