Re: Flipping out
If SNGs are your only source of income, I think it's mandatory to have 6 months of expenses saved up (outside of your bankroll). This shouldn't just be enough to pay for rent, heat and bread and water for the month - it should include what you need each month to live comfortably and do what you enjoy doing. The downswings are bad enough - worrying about paying this month's bills just make you and your game even worse.
If having poker as your only source of income causes you this much stress, or forces you to live like a hermit until the next upswing comes, then you'll probably get more enjoyment overall by playing as a hobby. You can always get a part time job to pay the bills until you get certified.
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