Talk is not cheap when it comes to the NBA lockout, as both team owners and players lose millions of dollars every day the lockout continues without an agreement.

Miami Beach-based sports financial advisor David Sugarman said there are four major contentious issues.

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Three involve the so-called luxury tax that allows wealthy team owners to create an uneven playing field by paying fines and skirting the salary cap; revenue sharing that allows small teams to share in big team profits; and the move to make players cheaper to hire.

The biggest sticking point is how to split all the income basketball brings in. Both players and owners want more than a 50 percent share.

Many in South Florida, where one person in 10 is unemployed and so many are struggling, find it hard to sympathize with a fight between millionaires and billionaires.

Sugarman, who advises players how to handle newfound riches, said not all players are paid like superstars and are counting on the basketball paycheck.

"You have first-year, second-year guys who can't afford to miss a paycheck," he said. "They're rentng their first apartments, they're leasing their first car or two cars, and they're not going to be able to make their payments now. These checks affect their day-to-day life."