[mwalsh2020]

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if you need 4k/month to keep your current level, id suggest youd have at least 20k in your bank account and no less than 100 BIs for whatever limit you are playing.

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this is the best advice someone has given you so far, although I think 100 BI is excessive here.

I would recommend setting aside living expenses (6months would be ideal, 3 at a minimum I would say). The key is to add to your living expenses account before using the money you win to move up in stakes or to buy extra goodies. If you always keep yourself cushioned for the upcoming months, you won't feel psychologically crushed after losing money with rent coming up.