Jan. 5, 2026

NFL Final Week, College FB Talk with Matt Bernstein on Sports Talk Live! with Steve and Justin!

Chaos can be thrilling, but it also exposes the cracks—and college football is feeling both. We open the new year with Matt Bernstein from Believe in Badgers to pull apart the College Football Playoff’s best and worst instincts: the NIL market that turned player movement into a high‑stakes auction, conferences that no longer anchor identity, and a seeding system that sometimes rewards résumés over real strength. We ask the hard question: do fans want the best teams or the best stories, and can the sport deliver both without losing its soul?

Matt brings a player’s perspective on what truly separates contenders: elite talent plus a hardened culture that survives portal raids and media pressure. Together we map out practical fixes—scrap conference title penalties, add wildcard play‑ins for true outsiders, and require meaningful conference schedules to earn a berth. We talk candidly about Notre Dame’s independence, why JMU‑style Cinderellas deserve a path without automatic promotion, and how the committee sets rankings to keep options open down the stretch. The throughline is simple: excitement skyrockets when access feels fair and the rules are clear.

From there, we pivot to the NFL’s wild finish: fourth‑down gambles, hot seats, and how front‑office alignment determines whether a quarterback blossoms or gets buried. We break down playoff matchups, seeding quirks, and the streaming shift that has fans grumbling during win‑or‑go‑home weekends. A late detour into Formula 1 shows the same lesson playing out on a different stage—governance matters, culture compounds, and talent needs structure to shine.

If you care about how championships are really built—on and off the field—you’ll find plenty to argue with and even more to chew on. Follow the show, share this episode with a friend who loves college football hot takes, and drop a review to tell us how you’d fix the playoff.