The beautiful thing is you can play the house and the gambler at the same time if you so desire!!! The house in me has paid nicely. The gambler has paid nicely too (you have to pick your bets I say), but I'm sure over a 30 year period the house is going to do a much better job than the gambler in me. I never gamble more than the house has paid, so I'll always come out ahead of where I had been if I did nothing.