VOL. I · NO. 1 — SEPTEMBER 2026
SEASON RECORD: 0-0 ATS (0.0%)
BANKROLL: $1,000.00 ▲ +0.0%
The Betting Fool
THE BETTING FOOL
By a Man Who Should Know Better
FINAL — WEEK 11 RESULTS: 1-4 ATS
WEEK 11 · NFL 2025 SEASON

Under The Thousand For The First Time Since September

By The Betting Fool| November 13, 2025| 8 min read
⇩  DOWNLOAD THE CARD (PDF, ONE PAGE)

One and four. I'm not going to dress that up for you. $154.13 through the window, $91.70 of it gone for good, and the bankroll falls from $1,069.69 to $977.99 — below the thousand I sat down with in September, first time since opening weekend.

What eats at me is the conditions. Twenty in Orchard Park. Twenty on the lakefront in Cleveland. Seventeen in Pittsburgh, seventeen in the Meadowlands. That is the finest sheet of weather this schedule has handed me all season, the precise circumstance the whole rebuild was designed around, and I got one winner out of four attempts. Buffalo and Tampa Bay put 76 points on the board in a twenty-mile-an-hour wind. Seventy-six. I have been at this long enough to have seen most things twice and I do not have a sentence prepared for that one.

The cruel one was Baltimore at Cleveland: 39 points on a 37.5, a point and a half, one kneel-down anywhere in the fourth quarter and I'm writing a cheerier column. Then Houston went to Nashville on Thursday without C.J. Stroud and without its kicker and won by three while I laid five and a half. Here is where I land, and you can time me: I would place all four of those unders again Thursday morning at the same price for the same money. The reasoning didn't break. The weekend did. Ninety-one dollars insists those are the same thing. Ten years of games say they aren't, and I'm going with the ten years.

How The Week Broke Down
Texans -5.5 @ Titans
LOSS
LINE: HOU -5.5 (-110) · THU 7:15 PM CT
FOOL'S NUMBER
HOU -5.8
VEGAS NUMBER
HOU -5.5
THE EDGE
+0.3 PTS
COVER PROB
50.5%
PROJECTED  Titans 16, Texans 22 (38 total)
Final: Titans 13, Texans 16

Houston plays Thursday night without C.J. Stroud and without Ka'imi Fairbairn, which is no starting quarterback and no kicker, and the model still wants me laying 5.5 on the road. That is what happens when the opponent is Tennessee with Xavier Woods gone from the back end and Bryce Oliver off the receiver list — the arithmetic doesn't care how the roster feels. Eight on the gauge in Nashville, which pays nothing on a side. Number comes back 5.8 against a market 5.5, 50.5 percent, and I run it because I told you in September I'd run one every week.

STAKE: $23.18 (2.2%)
Under 46.5 Buccaneers @ Bills
LOSS
LINE: TOTAL 46.5 (-110) · SUN 12:00 PM CT
FOOL'S TOTAL
44.3
VEGAS TOTAL
46.5
THE EDGE
-2.2 PTS
COVER PROB
53.3%
PROJECTED  Bills 25, Buccaneers 19 (44 total)
Final: Bills 44, Buccaneers 32 (76 combined)

Twenty miles an hour in Orchard Park in the middle of November is the best set of circumstances anybody has offered me this year. Tampa Bay travels north without Chris Godwin, Bucky Irving and Haason Reddick; Buffalo is without Dalton Kincaid. The board gave the weather a point and a half of respect and quit at 46.5, and I have 44.3 — two full points, 53.3 percent, the biggest ticket on this week's card.

STAKE: $33.51 (3.1%)
Under 37.5 Ravens @ Browns
LOSS
LINE: TOTAL 37.5 (-110) · SUN 3:25 PM CT
FOOL'S TOTAL
35.5
VEGAS TOTAL
37.5
THE EDGE
-2.0 PTS
COVER PROB
53.1%
PROJECTED  Browns 14, Ravens 22 (36 total)
Final: Browns 16, Ravens 23 (39 combined)

A second twenty on the same afternoon, this one blowing in off Lake Erie. Baltimore makes the drive without Marlon Humphrey, Rashod Bateman and Justice Hill — a corner, a receiver and a running back, which is a decent share of everything that makes a game move quickly. A 37.5 is already one of the smallest numbers you will see all year and I'm under it at 35.5, 53.1 percent. When two of these turn up in one weekend I bet them both and I don't ask permission.

STAKE: $32.80 (3.1%)
Under 48.5 Bengals @ Steelers
WIN
LINE: TOTAL 48.5 (-110) · SUN 7:20 PM CT
FOOL'S TOTAL
46.5
VEGAS TOTAL
48.5
THE EDGE
-2.0 PTS
COVER PROB
53.1%
PROJECTED  Steelers 26, Bengals 20 (46 total)
Final: Steelers 34, Bengals 12 (46 combined)

Cincinnati arrives on Sunday night without Joe Burrow and without Trey Hendrickson — the best player it owns on each side of the ball — and somebody still hung a 48.5 on the game. Seventeen at Acrisure. Pittsburgh is short Alex Highsmith and Darius Slay and I am unbothered by it, because a substitute quarterback in that wind is not producing his half of a fifty-point evening against that defense. My sheet reads 46.5, two points under, 53.1 percent.

STAKE: $32.70 (3.1%)
Under 41.5 Packers @ Giants
LOSS
LINE: TOTAL 41.5 (-110) · MON 7:15 PM CT
FOOL'S TOTAL
39.6
VEGAS TOTAL
41.5
THE EDGE
-1.9 PTS
COVER PROB
53.0%
PROJECTED  Giants 16, Packers 24 (40 total)
Final: Giants 20, Packers 27 (47 combined)

The Giants' injury page runs six names deep and includes Kayvon Thibodeaux, Darius Slayton and Evan Neal, while Green Bay may be crossing the Hudson without a healthy kicker in Brandon McManus. Monday night in the Meadowlands, wind at 17, market 41.5, model 39.6, 53 percent. That makes four unders in serious weather on a single card, more than this thing has ever asked of me in one week, and I can't find grounds to turn any of them down.

STAKE: $31.94 (3.0%)
THE LEDGER
STARTING BANKROLL
$1,069.69
TOTAL STAKED
$154.13 (14.4%)
NET RESULT
−$91.70
ENDING BANKROLL
$977.99

“Bet less than you brag, learn more than you lose, and never trust a tout who smiles too much.”

— The Betting Fool

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