What level should I play?

[rascony]

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It might be a temptation to not treat the money as seriously as they would if they started with a smaller, more appropriate bankroll.

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If this is your attitude, then you are approaching it with the wrong mindset. You should be wanting to improve your game, and that is why everyone seems to be of the consensus stay at lower limits (.01/.02 or .02/.05) regardless of your bankroll.

One benefit of loading larger amounts might be to get a larger bonus if applicable.