I guess you could shorten it this way but you have 2 or 3 more levels of intercomunicating vases, the common denominator is to only use the money that is out /and or in excess of your capability of recovery for each and every sector / section. Every section out of the Play / risk money should have a "don't ever touch" level, comfort zone that is used to repay / reinvest in equipment or is the basis to a healthy / comfortable level if anything goes wrong, don't deplete this area or a section would be gone, and you'll have to build it up from the ground up with your savings. Savings are the basis for all other sections "of course" but treat every single subsection as it's very own entity that has to be profitable in some way, except the play / risk money that can go as low as 0 as it is funded / replenished by every other parts. (i use this money to play lottery as an exemple, or to buy crypto's when i "think" they are at their lowest. )