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I think this is a very important topic and one that costs a lot of players misery, heartache and extreme frustration.  I talk to a lot of players locally as well as around the country.  Numerous by PMs and Emails as well.  The game of baccarat is more than Banker or Player decisions.  It really is.  To me and countless others that have years of experience, it is viewed as a juggle of numerous things, but it all starts and ends with a bankroll, and what is either put back into it or taken away from it at the end of the session.  Personally, I have found that set amounts to wager and lose, build a horrible thing called a fake safety net with unreal expectations and a type of self in-fighting which adds a tremendous amount of frustration and pressure to the player. 

Some people will talk about continuously growing your bank roll and buy ins with your performance at each shoe played.  Others will play from shoe to shoe with the sole goal of playing larger and larger.  Others will actually govern their play/amount wagered per hand based upon a pre-set and scheduled amount to lose and win per shoe or per session.  The list can go on and be twisted with all different ways to increase, increase and increase with a fake safety net of stopping your play if a magical number is lost. 

What has worked for me and countless others has been to have a Bank Roll that we are comfortable with and a dedicated amount that is set aside for baccarat and baccarat only.  It is not interchanged or used with other budgeting amounts in our life?s.   What amount is dependent upon yourself, one that you can enjoy solely for baccarat and not interchanging it with household, business or family areas.  Again mine is not conducive to yours and yours is individual to yourself. 

Personally, I would never set my goals or desires to build my bank roll on wins and reducing it on losses.  Talking about the amount wagered and the amount to maintain it.  I have tried that exact things a few times in the past and every time it has cost me my bank roll, all of it.  Maybe that is just me?  I do not know, but I do know that way is pressure and adds to must do and must do type of winning.  Again, that is my experience with those types of bank roll requirements and contingent pre-scheduling of wagering amounts. 

What I have found best for myself and many others, is a set Bank Roll with enough session attempts to make me comfortable and be able to replace losses to maintain the same amount of Bank Roll and yet, have a sufficient amount of chances to win, without restricting my wagering amounts when I am winning.  I do view each and every buy in as a risk amount with no stop loss.  My stop loss would technically be my buy in.  My other stop loss would be what is actually happening within each session.  I spell that out because that is what has proved profitable to me over the years, many years. 

I know my better wins would never have come if I restricted myself to a very small stop loss of 3 or 5 or 8 units for session.  Of course, I divide up my buy in to a certain point, but my buy in is complete risk for the session as I said.  That amount, no matter what it is, is my fuel to my wins.  If my wins come, then my wins are mixed into that buy in and then my 1/3rd-1/3rd-1/3rd will kick in along with my 1 + 4 Side Parlay (another fuel of my buy in/wins) to propel me further into a winning session. 

I hope that is clear and I stress, that works for me more times than it fails.  But the beauty of it is, it allows me to take complete advantage of winning and not restrict myself to a tiny or minute number of units and become frustrated I did not smack the casino.  Of course, that is how I feel and what physically works for me and proves itself in my best interest the way I play the game of Baccarat. 

Regardless, no matter what I win, I maintain my Bank Roll at 100% the same number that I have it, always.  My attempt to play larger has to be fueled by the instant winning, not a cumulative number built to my bank roll.  I want to be clear on that.  I will always start each session with the same amount (very close) until I win.  Then the larger wagers come into play.  I am done with the attitude and drive that I am building and building my bank roll and striving to play larger and larger and larger type of play. 

All wins square off the bank roll if the bank roll is not at max capacity of what it is supposed to be, meaning, there were past losing sessions.  So, say if my bank roll is $15,000.00 and I lost 3 session of $750.00 and I took $1,000.00 for my fourth session.  I won $3,800.00 and I go to the coffee shop and sit down.  I take a pad and pen, my bank roil is $11,750.00, so I am sitting with $4,800.00.  Right then and there, I remove $3,250.00 and lock it up, seriously not in one pocket and go back to the table and start again, and if I need it, grab it and continue, and all that.  That will not work, you will give it back.  Period.  Sorry too much experience with myself and others, reality to the max.  I hope Ted009 and others will support this position and what I said because I want newbies and non-experienced to learn the best way, and I seriously know this is the best way. 

So, I run out to Wal Mart and put it on one of my debit cards or I purchase money orders with it or I call someone that we do have that runs money from the casinos here, to wherever we want it for a small fee, to me it is worth it.  Then I take the $1,550 and I play another session of $750 or $1,000.00 and I literally take the remaining amount between the $750/$1,000 and the $1,550.00 and spend it or put it elsewhere outside of my bank roll.  The numbers can be any numbers within reason.  If my money management and parlaying levels allowed me to win $8,000.00 within one shoe or $15,000.00 or $2,000.00, I would do the same thing.  Maybe not send it out with a casino money runner around here if only $1,000.00 or so, but you still understand the principal. 

I have found after many years of play; you must profit from the game with a certain amount to make it work in your favor.  A continual build of the bank roll, with the bank roll governing your wagering amounts, with a blanket wagering amount will not work, IMO and experience.