Well said.

I had this same realization a few months ago and decided to stay at my current level until I pay off my student loans, which will be in about 6 months. After that, the pressure to spend my bankroll will not be as great, and I can try to move up. The few times I get the chance to play without distractions (wife, baby, job) it is comforting sometimes to flip into auto mode and play ABC poker, knowing you are going to win unless you get hit with huge -EV.