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What stakes are you playing at in PR? The only way you can afford to play with $20 in a ring game is if they offer microlimits with a $1 buyin. More than that and you're almost asking to lose it. You can't buyin with your whole BR in ring games. It just doesn't work.
I feel like I actually know what I'm talking about, since I took $10 in UB's micro's and built it up to over $400. If PR doesn't offer microlimit ring games and you're sure that's how you want to do it, I'd move to a site that does offer them, get some experience under your belt and start building that BR. Once you get up to $50 you may be ready to move up to $5 buyin game (but only if you're consistently winning). Then as you reach the required levels, move up again.
You want to have a minimum of 10 buyins to play at a given level. Before moving up, I'd usually recommend at least 20 or 30. The reason is that you will have times that your good hands are beaten by better hands or by people who draw out on you. You must have enough money behind you to absorb that without any pain. I've heard people post about having -8buyin swings in a day. I've done that myself, in fact. If you can't afford for that to happen, you're going to end up playing less aggressive than you should and as a result hurting your game.
- Jeffrey
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