I will agree though that you need to have money behind for the downswings. If your roll cannot support your lifestyle and needs over a couple months downswing or breakeven, that could become a problem. If you only need $800 a month to live, you may still want at least $4K behind you for cushion. The problem then falls on you is nobody plays $25NL, $50NL or $100NL with a $4K cushion, so it'll still come down to how much you have? How much you need? and How much can you make?