A few final comments on playing on a replenishable bankroll: If you want to take one month's win—after a successful trip—and add it to the amount you can afford to lose the following month, this will give you a lot more flexibility, to say nothing of total playing hours. In fact, I recommend that you do this if you are serious about making money from the casinos.

But never, never, borrow against next month's replenishable funds—that's a very bad habit to get into. In fact, about the only time I would recommend it would be when you need the extra funds to double down or split on a current hand in play. You always want to maximize your win potential in these types of situations, but if you lose those "borrowed" funds, then you must seriously consider whether or not you can play next month on your full replenishable amount. If the amount you go over your trip bank is negligible, forget about it. But if you lose half of next month's playing bank due to some incredible double/split opportunity that doesn't go your way, then seriously consider playing the following month on half of your normal allotment, or even waiting until you can add that allotment to the following month's playing bankroll, so you can play with more flexibility then.

Regardless of how big or small your annual replenishable bankroll is, you should be able to draw up a bet-sizing schedule using the chart above as a guideline. Do not waste your time studying complicated Kelly betting strategies or risk of ruin charts, or any of the complex methods that pros on fixed bankrolls use, or teams of pro players seeking investors must master. With a replenishable bankroll, you're well on your way to making money at this game. But if you quit your job, move to Vegas, and start playing full time on the fixed amount of capital you arrived with, you've got some serious considerations ahead of you.

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