If Kyler Murray is thinking about using his first NFL paycheck to buy some crazy jewelry ... I'TS NOT A TERRIBLE IDEA!!!
... this according to Donald Trump's chief economic adviser Larry Kudlow.
Kudlow -- the director of the National Economic Council -- was in D.C. when we asked if he could dish out some financial advice for the football stars about to become millionaires when the NFL Draft kicks off on Thursday night.
Of course, Kudlow encouraged all of the players to get good financial advisers and invest ... but he also got SPECIFIC about where the players should put their money!