Why do retail traders keep $25k-$100k in a retail account? Retail will give you 4:1 leverage, $100k-$400k BP. A prop firm will give you the same BP with only a $5k-$20k deposit. Why not take the $20k-$80k the prop firm doesn't require and put it in a CD that earns a safe and easy 3-4%? Or use it toward a boat or a vacation home? What makes you want to tie up all this money in a retail account?