I have a pretty reasonable "gambling" bankroll, but most of it stays in the bank (the real brick and mortar bank). I have no illusions that I'm ever going to make a lot of money at poker, so my goal is simply to stay in the game. If I start losing more money than I'm comfortable with then I drop down (or temporarily move up) limits or change games. I find that full-ring OMHL cash games are great for generating steady, but slow income, so that's my fallback when I'm in a NLHE downswing.
Oddly, and I don't actually recommend this, temporarily moving up to a higher limit game can have a positive result. I've done it a number of times and it "almost" always works for me. You have to have the "gambling" bankroll in reserve though to be able to do this. Don't try it with your last buy-in unless you are happy to keep it your "last" buy-in if things don't work out the way you hope. (I actually did that a number of years ago, busted, and left poker for years before returning.) Once you regenerate your "poker site" bankroll drop back down to the "safer" limits.
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