We can start lower if you want, I've never taken out a loan as it's never been necessary before but I think my reputation on the board speaks for itself. I like playing ring high up and I usually do pretty well but I hit a rough patch. I'll be playing the tourneys almost on a daily basis, sometimes I miss them as I work a ton and am engaged but she's supportive of it (she likes freebies on amazon ).
Worst case scenario you get 12 a day and whatever is turned over in tourney's, freeplays, etc. but I don't see it going that way.
Peace.