Segmentation
Create wallets for staking, reserve, tax, and experimentation. Move funds weekly, not daily.
Level 3A · Bankroll
Your bankroll is the business. Treat it with precision.
Pros separate operating capital, emergency reserves, and tax obligations. This masterclass shows how to apply Kelly sizing, weekly reconciliations, and automation to stay profitable and compliant.
Bankroll philosophy
Your bankroll is your trading desk. Without structure you cannot scale or survive downswings. Treat bankroll management like CFO work: segmented accounts, audited reports, and strict controls.
Kelly discipline
Use fractional Kelly (0.25–0.50) to calm volatility. Track CLV to validate inputs.
Automation
Link APIs or spreadsheets with alerts for drawdowns >10% to pause betting and review strategy.
Bank accounts & wallets
- Operating wallet: For day-to-day stakes.
- Reserve wallet: Emergency fund covering 10–20% of bankroll.
- Tax wallet: Percentage of profits set aside weekly to avoid surprises.
Kelly Criterion calculator
Estimate the optimal percentage of bankroll to stake based on edge and odds.
Recommended stake: —
Weekly bankroll audit
Reconcile accounts: Match sportsbook balances, broker wallets, and bank statements to your ledger. Investigate discrepancies immediately.
Stress-test scenarios: Calculate how a 15% drawdown would affect living expenses or payroll if you operate a syndicate. Build buffers before you need them.
Adjust stakes: If bankroll drops by more than 10%, automatically reduce unit size. When it grows, only increase stakes after two consecutive profitable months.
Monthly strategy review
Beyond weekly audits, run monthly strategy sessions. Analyze CLV trends, ROI per league, and variance. Adjust capping models, staking rules, and bookmaker relationships accordingly.
Automation ideas
Spreadsheet scripts: Use Apps Script / VBA to auto-calc Kelly outputs once you input odds and probability.
Alert triggers: Set notifications when bankroll crosses thresholds (e.g., +5%, -5%) to prompt stake recalibration.
Segregated accounts: Keep tax reserves, operating cash, and personal funds in different banks so one mistake cannot drain all capital.