Are you in the bankroll building stage of your online poker career? If you don't even know the answer to that, then you need a lot of luck if you are going to avoid a reload. However, if you do know that you are in a building and learning stage where you want your $50 or $100 to last as long as it can while you are learning the game then you may have a critical decision to make. That is, should you be playing in the NL cash games or sit and go and multi-table tournaments?

If you follow Chris Ferguson's exploits at Full Tilt Poker, while building his bankroll he mainly sticks to the tournament circuit keeping his buys in check, and playing straight-up solid poker. (Yes, the same Chris Ferguson who won the 2000 WSOP!) In fact, on his quest to go from $0 to $10,000 at Full Tilt in a bankroll management challenge, he made his first big leap in a $1 Multi-table tournament where he finished 2nd of 683 entries and earned a whopping $104.