A brand-new study claims that 16 percent of NFL players will be in financial difficulties (bankrupt) within 12 years of retirement. The findings are considerably different from a 2009 research study that put the number at 78 percent merely two years after retired life."Players with median-length stints in the league can earn as much as $3.2 million in a few years. If they are progressive and being smart with their earnings, they should save a large fraction of their revenue to provide for when their time in the league is done with," Kyle Carlson, Joshua Kim, Annamaria Lusardi and Colin F. Camerer reported in a study paper released this month by the National Bureau of Economic Research.But the experts involved in the study, who evaluated information on 2,000 players composed between 1996-2003 along with earnings information (offered for some 900 players) and also insolvency court records, located that 15.7 percent apply for bankruptcy within 12 years…