Parking lot job: When I first started playing, a guy I played with sometimes, was a card carrying 10 handicap but was considerably better. He was a well off retired CPA in his early 50s and played about every day for money. On our home course with us he'd play to a considerably lower number. Our bets weren't that big without automatic presses. When I asked him why he kept his handicap at 10 he said it was for money games at other courses or tournaments when he didn't always know the other players. He said you'd play partners sometimes at considerably higher stakes and when you left the course you might see your partner that hadn't played too well with the two guys who had beat you splitting up your money in the parking lot.