Dmitry Tursunov is not a man to play Russian roulette with his career -- but time is running out.
Now 30, he is entering the twilight zone of his time on court with the opportunities to provide for his retirement decreasing every day.
The problem for the World No.39 is that the cost of competing at the highest level is soaring, meaning he must collect $200,000 in prize money each year just to break even.
It's not a problem for those in the top 10 -- but with rising expenses and endless airfares to pay for, those unable to win the grand slams or attract big name sponsors are facing a conundrum.
For Tursunov the choice is clear -- shell out the cash now and hope the investment pays off.
Splashing the cash
"I don't have a long career left so I decided to spend whatever is necessary," he told CNN's Open Court.
"I want to get the best results I want to get out of the game knowing I gave it my best and that I didn't try to save up on anything.
"Roughly, I probably spend $100,000 on traveling, plus or minus $10,000, it's kind of hard to say because I think the expenses are going up, the tickets are getting more expensive.
"I think also a lot of the times you have to fly business, not out of luxury, but it's the only time you can get some rest and sleep.
"If you are sitting in a little shrimp position, it's going to take you two days to recover, especially the older you get.
"I didn't believe that but I am starting to believe it. It takes me two or three days to get out of the travel."
Tursunov travels with his coach and physio, paying for their flights, accommodation and wages. He reckons he spends over $200,000 on his staff each year.
The last of his seven singles titles came in 2011 and while he has bounced around the circuit picking up prize money, the opportunity to earn the big bucks continues to elude him.
Roger Federer, the 17-time grand slam winner, is estimated to have earned $71.5 million in that time from sponsors, endorsements and exhibition matches, not to mention the $6.5 million in prize money.
In the women's game, Maria Sharapova leads the way, earning $29 million a year, making her the highest paid female athlete in the world.
It is a world away from where Tursunov lives -- a man who has earned just shy of $587,000 in prize money so far this year.
"You play against very good players," he said.
"It's hard for people to grasp but you are playing against someone top 100 in his profession in the world which is pretty impressive.
"If you play a top 100 golfer in the world, doctor or basketball player, all these guys are making ridiculous money.
"But again it's hard to compare the sports but the expenses are a lot higher than even in basketball because we don't have a team who are paying our expenses."
Tursunov does not travel with a hitting partner as Andy Murray does, nor does the Russian have the backing of lucrative sponsors.
And while he accepts that he has not done badly, earning nearly $5 million during his career, he says the costs of competing on the circuit are constantly spiraling.
"There are certain expenses you can't escape such as airline tickets and so forth but then you have coaches, if you want to compete well, if you want to make it in to the top 50 there's no way you can do that without a coach," he said.
"I've tried. Roger has done it for some time but he's still traveling with a physio, the guy who strings his racquets and those are all expenses you pay yourself.