I found this an copied it tell me what you think.
Per Fox’s initial definitions, use the “Pro” column if going bust would be devastating because you derive your income from poker; “Protected” if replacing your bankroll would be difficult; “Unprotected” if you’re taking a shot and your bankroll is easily replaced:
------------------------PRO--------------PROTECTED -----UNPROTECTED
Limit Cash Games -----550-700 Big Bets -400-500 Big Bets --200-300 Big Bets
NL/PL Cash Games-----45-65 Buy-ins-----30-45 Buy-ins-----20-30 Buy-ins
SNGs -----------------65-75 Entries -----40-50 Entries-----20-30 Entries
MTTs -----------------200-250 Entries---100-150 Entries---30-50 Entries
The common mistake is considering yourself to be a category higher than you truly are. If you do not derive your living from playing poker, in my opinion, you should never treat your bankroll as if you do. Yeah, it sucks trying to deposit money in the era of the UIGEA. But being out-of-action to the casual Protected player isn’t devastating; you just have to scramble around. A Pro has no life if they don’t have a bankroll.
Ranges may be stretched a little bit to expand how many games you can play as you move up the ladder. For example, a Protected player with a $4,000 bankroll really shouldn’t play lower than a $30+3 buy-in tournament. Unfortunately, there aren’t a lot of tournaments in the $30-$40 range online. But between the $20+2 180-mans on PokerStars, and the wide range of $24+2 tournaments and 90-mans on Full Tilt Poker, you could reasonably step back and play to your heart’s content without considering it a “profit loser.”
I highly recommend, if you’re in a comparable bankroll “no man’s land,” to take shots on the higher edge as well. With a $4,000 bankroll, not only would I play at $20+2 and $24+2 tournaments, but also the $50+5 nightly tournaments on Stars and FTP, and possibly the $69+6 Full Tilt tournaments as well. My bankroll guidance is based on our average buy-in, not any one maximum or minimum value. If you want to take a shot in the Bodog $100+9, go ahead…but play a little lower in some other events to balance things out.
Consider rebuy tournaments at 7 times the original buy-in for bankroll management purposes. Sometimes you can float through with just your original investment; other times you’re re-buying every other hand. For the most part, it averages out to your buy-in & rebuy to start, two double rebuys, and the add-on at the end – a total of seven buy-ins. This means the $3r on Stars is a $21 MTT on your chart, the $5r a $35 MTT. For the mid-stakes player, these are valuable tournaments, because they both fall close to the $30-40 “no man’s land.”
You should also account for the size of the field. Larger fields have higher variance, and therefore, your bankroll needs better protection. Let’s say I have $1,500, and I consider myself a Protected player. I would not regularly play the $24+2 MTTs on Full Tilt, where the fields range between 1,000 and 1,500 players. However, I’d play the $20+2 180-mans on Stars, or a $20 MTT on UltimateBet, where the average field may be 300 or 400 people.
The time you have at the tables is valuable. Make the most of it.
(taken from
Poker Articles - Are You a Bankroll Nit?)