Who needs playoffs ... when you can have Cabo?
Here's Oakland Raiders rookie quarterback Derek Carr enjoying the perks of a 3-13 season ... relaxing on a beach Mexico with his smokin' hot wife Heather.
The couple -- along with their 1-year-old son Dallas -- celebrated Heather's bday with a week of oceanfront relaxing.
Nothing wrong with a little vaca after the season ends ... but we're guessing Raiders fans are hoping he'll have other plans this time next year.
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