The rub about playing poker for a living is that you have to use both your time and your money in order to make money. You have to grind out big hours if you want to get any where, and you need to have a pretty big bankroll behind you if you want to do so reliably with a small chance of going broke. Put another way, back in 2007 I could make close to $100K a year writing software, and I didn't need a dime in my pocket to do it; all I needed was 2000 hours. In 2011, in order to make close to $100K playing poker, I needed 2000 hours AND by all reasonable measures at least around $50K to start with (trying it with less would be pretty dangerous, although I guess you could).
Like I said, it's kind of embarrassing to me that I'm 3 years into this thing and had never realized this before.