[BJK]

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The main reason most bankroll requirements are so high is because of the possibility of an extended downswing.

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I have to disagree with this a great deal. The main reason most bankroll requirements are so high is because bankroll management is the most difficult aspect of being a gambler of any sort to master. When I talk with beginners who are learning bankroll management, I intentionally set my guidelines high. I have seen tons of very good poker players bust off of their bankrolls. Some quit. Some started from scratch. Most of the players who have started from scratch continue to make the same mistakes over and over.

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It's probably over the top to take out a loan so you can play poker, but you definitely don't need as much as you would if you couldn't replace your poker money. I only need about 120BB to play a level in limit cash because if I hit a fluke downswing it's not a big deal for me to get it back through temporarily moving down + bolstering my bankroll with what little disposable income I have. Technically you could play with as little as 25BB if you single-table and don't mind being taken out of commission until "next paycheck".

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The goal for me is for my poker playing to be self sufficient. When I made my last online deposit into Neteller almost two years ago, I promised myself that my poker playing, no matter how much it actually profitted me long term, would never drain my paycheck again.

If my bankroll isn't sufficient to play a particular game, I won't play no matter how much money I have sitting in the bank.

The way I look at it, the people who have to consistantly withdraw money from their bank or who have to wait until payday to play are contributors...not winners.