Check the math.
The numbers don’t lie, even if NFL general managers occasionally do.
The 49ers are currently carrying more than $110 million in dead money on their books. That’s salary cap space allocated to players who are currently doing anything but playing for San Francisco this season.
In the NFL, $110 million in dead weight isn’t a hurdle; it’s a tombstone. It’s a competitive anchor usually brought on by egregious fiscal mismanagement or, as in the Niners’ case, a dramatic, concerted effort to clear the books.
It’s a white flag. A “gap year.” The “let’s get the finances right and go for it in 2026” surrender.
And I’m not even counting all the highly-paid players that are on the 49ers’ injured reserve list this season.
That much dead money usually has fans looking up mock drafts in October. It does not usually result in a team staring down the barrel of the NFC West title, the No. 1 seed in the conference, and a first-round bye entering Week 18.
And yet, here we are.
Entering the NFL’s final regular-season week, the 49ers — despite everything that has gone wrong, which I simply do not have enough space to list — are staring down the barrel of the NFC West title, the No. 1 seed in the conference, and a first-round bye.
If they beat the Seahawks in Santa Clara on Saturday, they won’t have to board an airplane again until they’re booking a post-Super Bowl celebration trip.
Yes, the path to a title is paved with gold and is just a cul-de-sac in front of the 49ers’ team facility.
All this winning? It’s not supposed to be happening.
And yet it keeps happening.
So I can’t tell you it’s going to stop.
The 49ers beat the Bears 42-38 Sunday night in one of the more spellbinding and exasperating games in recent NFL history.
Tied at 7, 14, 21, 28, and then 35, this was a Big 12-level shootout between two former Big 12 quarterbacks.
And it was the last pick in the 2022 NFL Draft, Brock Purdy, not the No. 1 overall pick in 2024, Chicago’s Caleb Williams, who made the winning plays in the biggest moments.
That’s six straight wins for the Niners, setting up the winner-take-all showdown with Seattle in less than a week.
That’s just another improbable win from a team that is predictable in only one way:
They have overcome nearly everything that has been thrown in their way.
This is a team that lost its quarter-billion-dollar quarterback, Purdy, for eight weeks starting in Week 2.
That should be a death knell for nearly any team, much less one in a reset year. That’s Jets-level misfortune; the football gods telling you to pack it up for the season.
But Kyle Shanahan didn’t get the memo.
And I guess he didn’t notice when Nick Bosa and Fred Warner went down, either. That or he simply didn’t care.
The Niners program just kept finding ways to win with backup Mac Jones at quarterback, throwing to third-string tight ends and receivers signed off the street. The defense kept finding ways to win, even when they seemed to do little to help that effort for all but a few plays per game.
And since Purdy’s second return this season in Week 11, what we’ve seen isn’t just good football; it’s a level of offensive symbiosis between an elite quarterback and arguably the NFL’s best offensive play caller that borders on telepathy.
We’re seeing Shanahan and Purdy — separately and together — operating at a proficiency that neither has ever reached before.
Shanahan is calling plays like he’s playing ‘Madden’ on rookie mode, and Purdy is executing them with the precision of a diamond cutter or the flair of a high-priced Las Vegas magician.
They’ve turned an offense that’s currently held together by duct tape and the singular brilliance of Christian McCaffrey into an absolute buzzsaw.
No George Kittle for seven games, including Sunday? Oh well, I guess Jake Tonges will look like a Pro Bowler in his place.
The best offensive tackle in the game, Trent Williams, is injured on the first play of the game against the Bears? Just shove Austen Pleasants in there so the machine can keep humming.
Brandon Aiyuk continuing his weird off-the-field drama from 2024 in 2025? That sounds like something another team would have let affect them.
No run game to start the season? Guess they’ll just pass to win.
No defense to end the season? I guess they’ll just score 40-plus points a game on offense, then.
The universe has made this abundantly clear: It doesn’t want the Niners to win this season.
And the Niners have made the universe tap out.
It’s all enough to make you think these Niners are a team of destiny.
On Sunday against the Bears, the Niners were without four of their five best non-quarterback players: Warner, Bosa, Kittle, and Williams.
What team can overcome losing four All-Pros?
We have the answer now.
The Niners won because their offense, this Frankenstein’s monster of rotating weapons and somehow, someway, elite offensive line play, cannot be stopped.
Defense wins championships? Not against this attack.
And you can scream about the sustainability of shootouts all you want — you won’t be wrong. And yet Purdy and the Niners keep proving it wrong.
It’s a reminder that for all the analytics, salary cap gymnastics, and roster construction theories, football sometimes comes down to a simple, stupid truth:
If you score more points than the other guys, you win.
And right now, nobody — and I mean nobody — is going to score more points than Purdy, Shanahan, McCaffrey, and this 49ers offense.
These guys don’t even need a singular defensive stop to win — a mere field goal could be a fatal blow in your effort to take them down.
What’s going to stop this team?
OK, besides all those reasons — what’s really going to stop it? Because all of that logic hasn’t gotten in their way yet.
This was supposed to be the year to build up momentum for a Super Bowl run next season.
Instead, the Niners are one win away from home-field advantage throughout the playoffs and a chance to win the Lombardi Trophy without leaving home.
It doesn’t have to make sense. It just has to result in wins. And somehow, despite the good, the bad, the ugly and the downright inexplicable, that’s what the Niners keep doing.