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Not buying the "retirement" threat. He would forfeit $31M in salary over the next 2 years, placed on the Bengals reserve/retired list and won't be able to sign anywhere else, and the Bengals could require him to pay back $7.8M worth of the signing bonus he got from them.
I think the retirement threat is just him trying to get leverage on the Bengals. Not sure of his contract, but if he retired now it would probably result in a big salary cap hit for the Bengals. But, I do think it's a hollow threat.