I guess one last thing to mention is that I think in large part we're arguing over semantics here. If I have 20 buy-ins in my PS account, but I can always hit up my side job paycheck for another 20, then that's like 40, right? Until poker is my sole source of income, I will have that pool to dip into when I suffer the inevitable 30 buyin downswing. So can I think of that as part of my BR? If so, I guess this works as long as my side job still pays a decent proportion of my income. If I move up to the higher buyins then I will get a little more scared and start building up the BR way above 20. I promise.