Math: Need help regarding the Kelly criterion

[LordMushroom2]

I wanna use the Kelly criterion to determine if I am bankrolled to play certain HU STT buy-ins. But it doesn´t take into account that I take money out of the bankroll to pay for bills. How can I take that into account?

My current method is to divide the dollars I take out of the bankroll per year by the number of HU STTs I play per year (I play these exclusively), and add that to the buy-in in the Kelly criterion formula. What do you think of this approach.