RoR

For all of you that don't know what RoR means, it stands for risk of ruin. I've been thinking about bankroll management and this as of late. Now many people have a lot of different opinons on this and I agree that it is totally dependant on your situation, how conservative you plan to be with your bankroll or not.
As an economics student that plays for a living, I need to take several factors into consideration. For one if you play with a 40-50 buy-in bankroll, how will you deal with larger downswings, financially and mentally? I feel really complacent with my lifestyle right now and even though I'm in a pretty good position, it's not pleasant to have a month where I lose say 25% of my bankroll. I also think the fact that we lost x amount of our bankroll can impact our game, but more importantly our every day life.
Something interesting Raptor said about this in his blog was that being a poker player at higher stakes isn't healthy and that with a lot of the dollar swings comes a lot of stress, even if you are capable of dealing with it well, it has an impact on your life expectation.
Some things I should add are that I don't think you should have 100 buy ins actually online in your poker account, but say 50% of that in a high earning savings account, which is easily accesible, ie you could quickly wire more money from it to an online account and the other 50% online across say NT, MB, FTP, PTY etc.
Also I'm not gonna strictly not take shots at higher games when I have between 50 and 100 buy-ins, but I won't consider myself a regular at those stakes untill I have reached the 100 buy in or close to it mark.
Just my 2 cents on managing your bankroll as a professional player.

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