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Questions tagged [wealth]

For questions relating to the sum total value of one's current resources and possessions.

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3 answers
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Are there any abilities, features, or magic items that can increase gold gain, or multiply currency in a permanent way?

I have an idea for an avaricious (but not evil) busker bard character, whose motivation to obtain money is similar in magnitude to Scrooge McDuck (complete with Swimming Pool of Coins stretch goal). ...
order's user avatar
  • 4,221
2 votes
1 answer
190 views

How is starting wealth (money) chart determined for Ultramodern 5 Redux?

I recently got the PDF and Book for Ultramodern 5 Redux. I can't seem to find a starting wealth (money) chart; is there one? If not, is there an simple alternate system (like how D20 Modern had a ...
Jhyarelle Silver's user avatar
3 votes
1 answer
171 views

Do the books offer any guidance for PCs who stray from the WBL curve?

Rust monsters are iconic. Nightwalkers less so. But they can both destroy PCs' expensive magic items, placing the party far behind the wealth-by-level (WBL) curve. I might expect that, to compensate, ...
47948201's user avatar
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5 votes
1 answer
678 views

When do young Samurai get their Stipend - and how much?

When Samurai start out, they get a stipend that is denominated by their school. Generally it is between 3 to 10 Koku, about enough to supply a single Samurai with enough food and shelter even far away ...
Trish's user avatar
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6 votes
6 answers
2k views

How to help my players track gold in multiple currencies?

In my current game I have implemented a faction system where the relationships with and between the various factions have a direct impact on how the game plays out. One of the factors it impacts is ...
linksassin's user avatar
  • 31k
5 votes
1 answer
788 views

What is highest Damage/GP poison?

There is lots of stuff out there about poisons in general, but what is the most money efficient poison? Purple worm poison is powerful, but it cost 5k GP per dose iirc. I am looking for a poison that ...
NemoAmet's user avatar
  • 363
5 votes
1 answer
760 views

Starting at a Higher Level while using Automatic Bonus Progression variant rule

I am going to be creating a new character for our campaign, in which we are using variant rule Automatic Bonus Progression, and will come in at a higher level (likely 8). When starting at a higher ...
Robin Sving's user avatar
5 votes
4 answers
6k views

Can the DM break the rule of maximum starting money?

The DM has the power to break and add rules, but can they change the starting money? What is the starting money? Even if the DM can change the amount, how much can he/she give? In the campaign I'm ...
Knight Dude's user avatar
35 votes
17 answers
12k views

How can I make players still feel rewarded after looting a dragon hoard?

Disclaimer: This question is tagged dnd-5e, since consideration of the value of money or the magic item system might be relevant. I do, however, doubt that an answer based primarily on these would ...
Anagkai's user avatar
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5 votes
1 answer
754 views

Which of the available options for downtime from XGtE would give the most money after one week?

In the "Downtime Revisited" section of Xanathar's Guide to Everything, pages 123-134, it gives you various suggestions with what to do with a week of downtime. My character is being given a ...
NathanS's user avatar
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3 votes
1 answer
364 views

How can my character earn money?

Background We're running a custom campaign in rolemaster (RM) with rather unexperienced players and an experienced GM. We did about 6 or 7 sessions, the next one will be the third for my new character ...
Erik's user avatar
  • 301
2 votes
0 answers
184 views

Is there a rule in DnD 5e when buying starting equipement at higher level (lvl5 and higher) [duplicate]

is there some rules about the gold you can use when buying starting equipement at higher level. My character just died and i have to create a new one at level five. My Game master is fairly new to ...
jérémy leboeuf's user avatar
2 votes
2 answers
6k views

How much Wealth should a character have when starting at 5th level?

We are starting a campaign with level 5 characters and my DM doesn't really know how to measure the wealth. He's usually very strict and pushes player to difficult challenges. The DMG has a chart of ...
MightyMokujin's user avatar
8 votes
2 answers
3k views

If I use the starting wealth rolls of my class, do I keep any remaining money left over?

If I use the starting wealth rolls of my class, do I keep any remaining money left over after I buy equipment? In D&D 5e you can roll the 4d4 × 10 to determine starting gold, forgoing any ...
Golden's user avatar
  • 113
12 votes
1 answer
4k views

What is the max starting gold I can effectively have in AL without using XGtE's "This is Your Life" options or DM rewards?

I am trying to locate the MOST possible starting gold in AL for a level 1 new PC. Without using XGtE's "This is Your Life" options or DM rewards? The Goal: Is to have excess of 200gp, even ...
Jeffrey Witty's user avatar
5 votes
2 answers
472 views

How does increasing PCs' wealth beyond the WBL table affect power disparity between character class tiers?

It's well-known what happens when characters get less gold than they are supposed to according to the wealth-by-level (WBL) guidelines. Basically, the well-known power disparity between casters and ...
R.I.P.30.12.21Baskakov_Dmitriy's user avatar
3 votes
0 answers
84 views

Are Characters in 5e allowed to buy Items with their Background Gold? [duplicate]

Assuming I have a new character that chooses starting equipment instead of rolling for gold and buying items. Can I exchange some of the gold I got from the background for additional gear from the "...
Valentin Metz's user avatar
4 votes
3 answers
179 views

How should you adjust Encounter Levels for underequipped PCs?

In two campaigns I play our PCs are equipped far below the guidelines given in the DMG, p. 135 ("Character Wealth by Level"). We keep getting into trouble and are overwhelmed with situations we should ...
Giorin's user avatar
  • 5,256
2 votes
3 answers
1k views

What ways are there to reduce the cost of the Animate Dead spell?

I am going to be a necromancer and not feeling like having to pay for my undead. The following are methods I know about. Blood money spell - banned in current game Cauldron of the dead magic item - ...
Fering's user avatar
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7 votes
1 answer
1k views

Is my game master running Rappan Athuk wrong, or is it really this low on treasure?

We are playing Frog God Games' Pathfinder version of Rappan Athuk with a party of five player characters. We are playing seventh level characters, but our wealth is of fourth or fifth level characters....
Momonga-sama's user avatar
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1 vote
0 answers
282 views

Fixing/Improving My Model of Reciprocal Economies [closed]

I’m unsatisfied with how things like reciprocal economies are usually handled in RPGs. I've come up with a homebrew mechanic of my own, but it's also far from perfect and I’m trying to improve it. In ...
vicky_molokh- unsilence Monica's user avatar
6 votes
4 answers
1k views

Gold per encounter with looted equipment

Here's my scenario: CR 1 encounter (fast-paced) party is to receive 400 gold for the encounter. If I use, for example, a troglodyte, equipment is listed as 1 club, and 3 javelins for a total equipment ...
Matthew Storelli's user avatar
15 votes
2 answers
7k views

What does 5d4 x 10 gp mean?

What does 5d4 x 10 gp mean? I’m creating an Eladrin Ranger/Bard and I’m trying to figure out my starting wealth.
user56410's user avatar
  • 151
8 votes
2 answers
327 views

Handling the Scenario After Wild Player Financial Success

Well, they did it. Your players went head-to-head against an antagonist with Superb Resources, and instead of taking critical social damage and retiring from adventuring, they took him for all he's ...
tom's user avatar
  • 291
13 votes
1 answer
828 views

Can an Adventurers League character or party reimburse a PC for casting revivify?

The Situation One PC just died. Fortunately, another PC is a cleric that has revivify prepared, an unused 3rd-level spell slot, and 300gp of diamonds they purchased before the session. They cast ...
Red Orca's user avatar
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10 votes
5 answers
1k views

New Player joining with Craft Magic Arms and Armor

I'm GMing a Pathfinder game that's been going on for awhile now and wanted some advice. We have a new player that's joining a game in progress. The rest of the party is level 8. He's coming in at ...
Ironmonk's user avatar
  • 103
13 votes
6 answers
13k views

Is there a reason a Forge Cleric couldn't use Artisan's Blessing to convert metal into currency for profit?

The Forge Domain cleric's Artisan's Blessing Channel Divinity option (XGtE, p. 19) states: You conduct an hour-long ritual that crafts a nonmagical item that must include some metal: a simple or ...
Man_Over_Game's user avatar
4 votes
1 answer
2k views

Is the character wealth/level table to be taken "per character"?

Does the Character Wealth per Level table, as presented on page 135 of the DMG, reflect the wealth that should be owned by a single PC on each level, or by the party as a whole? Example: there is a ...
Arthaban's user avatar
  • 7,798
7 votes
2 answers
450 views

Does the cost of the Permanency spell's material component count against the character's wealth by level?

Does the cost of making a spell's duration permanent by means of the Permanency spell count against a character's wealth by level, as long as the Permanency spell remains on the character?
Zarus's user avatar
  • 3,197
72 votes
12 answers
26k views

I gave my players far too much wealth and they have far too much power. What do I do to get things back on track?

Very recently I made a huge miscalculation during my D&D campaign. The players in my D&D campaign were chasing after several pieces of a broken magical item. They had been spending their ...
ElectroBro's user avatar
3 votes
2 answers
240 views

Dealing with single character destroyed gear

My +1 gauntlets got destroyed due to damage from a green slime. As at this level it represents a significant portion of my wealth it puts me behind everyone else. How do other groups deal with a ...
Fering's user avatar
  • 27.3k
29 votes
6 answers
9k views

How do the economics add up for laborers?

Relevant quotes from Chapter 5 of the Player's Handbook: Laborer's wages A silver piece buys a laborer’s work for a day, a flask of lamp oil, or a night’s rest in a poor inn. (Page 143) Laborer's ...
Dacromir's user avatar
  • 10.3k
8 votes
2 answers
238 views

Is there any way to accurately increase CR based on an excess of party wealth?

If playing milestone leveling a ramping of treasure can occur in which the party gains gold and magical items far beyond what their normal wealth would be at a level. And yes this issue can be ...
Critical Crafting's user avatar
9 votes
1 answer
18k views

If you choose to roll for starting gold for your class, do you get starting equipment from your background as well?

Say you choose to roll for starting gold for your class (and then buy equipment). Do you still get the starting equipment from your background (but not from your class)? Or do you not get any starting ...
Jonguar's user avatar
  • 99
0 votes
2 answers
252 views

How big an advantage would wealth confer to the development of a character?

The question is specifically applied to D&D 3.5 and the world of the Forgotten Realms. A little background first. I am designing an adventure where I plan to have one of the NPCs-not exactly an ...
MathematicianByMistake's user avatar
2 votes
1 answer
1k views

Pathfinder NPC starting money?

I've been searching everywhere but I can't find any information on what the starting funds for a level 1 warrior is. Do they not get any?
Nymira Blake's user avatar
7 votes
3 answers
2k views

Wealth scales in Shadowrun?

New to Shadowrun as a GM. Transitioned from Cyberpunk and World of Darkness storytelling. My players are fairly certain that they each get paid approximately 3000-30,000 nuyen for every run they go on....
Tristian's user avatar
  • 4,205
1 vote
1 answer
2k views

Why is buying starting items so expensive?

According to the PHB (p. 15), you can choose your own starting items instead of taking those listed under class and background: Instead of taking the gear given to you by your class and background, ...
lucidbrot's user avatar
  • 741
5 votes
0 answers
316 views

How to handle low-magic, fantasy banking? [closed]

How would you handle the transfer of large quantities of gold in a low-magic, medieval fantasy setting? I'm am running a campaign based on a homebrew variation of Pathfinder in which magic use ...
blp's user avatar
  • 257
3 votes
5 answers
2k views

When modifying treasure distribution to enforce WBL, what do you do when it doesn't work?

Let's say I'm running a game in which I seek to enforce-ish the WBL guidelines (by which I mean that I seek to have the party's wealth be primarily a function of level rather than time). If the party ...
Please stop being evil's user avatar
8 votes
3 answers
1k views

How are abilities that modify character wealth supposed to modify character wealth by level?

There are a LOT of abilities that relate to purchase or sale of goods or services in Pathfinder. Generally, these abilities cost character resources: feats, rogue talents, traits, class features, etc....
Please stop being evil's user avatar
26 votes
4 answers
18k views

How wealthy are the rich in the Forgotten Realms?

I'm building a campaign that includes a Plutocracy style government. The several wealthiest people in each city govern that city, and the wealthiest of those join to govern the entire empire. I ...
Avilyn's user avatar
  • 2,008
4 votes
1 answer
430 views

How to handle investment in Stars Without Number?

I'm GMing a Stars Without Number game. My players have just come into a fair amount of money, and one of them would like to invest his cut. How do I handle this investment? Should I just roll dice to ...
John Doe's user avatar
  • 1,418
10 votes
3 answers
5k views

How does the game expect I handle the monk tropes vs typical adventuring tropes and needs?

I'm getting back into D&D (5e) for the first time in a couple of decades, last playing with OD&D and AD&D 1e & 2e. I've just made my first ever monk. I'm struggling to understand how ...
Paul's user avatar
  • 1,268
5 votes
2 answers
2k views

What is the value of a Coin?

What is the relative value of 1 Coin in the implied setting of Dungeon World? The game system of Dungeon World intentionally keeps the concept of money and wealth fairly abstract compared to other, ...
Southpaw Hare's user avatar
8 votes
1 answer
953 views

A wizard's character wealth

The wizards spell book can actually get pretty expensive pretty quickly. Even if you only take the spells earned by level, compared to ink investment and scroll access. At level five your book should ...
Derk Jan Hulsinga's user avatar
12 votes
3 answers
2k views

Can Wealth be used as a guide to what things a PC could own at a given level?

The character advancement section of the Pathfinder reference document mentions that a player character should have amassed certain amounts of money by certain levels: for example, a PC should have ...
Gotzin's user avatar
  • 121
8 votes
1 answer
2k views

Can the Wealth system from d20 Modern be adapted to 5e?

D20 Modern had a system where instead of tracking your money directly, it would track a "wealth" attribute. Transactions have a DC instead of price, and a Wealth check is made to determine if a ...
Superbest's user avatar
  • 1,074
7 votes
2 answers
251 views

Is starting cash too low?

In Exodus starting cash seems lower than in other games with which I'm familiar. I'm used to starting characters being able to purchase some okay weapons and armor, and that seems unlikely given the ...
Vypr1981's user avatar
  • 101
2 votes
5 answers
2k views

introducing a daily upkeep for characters

I am looking for the rules, or good house rules, covering the daily upkeep for characters. By daily upkeep I mean a daily cost to deduct from their personal wealth for mundane events and services ...
mtijn's user avatar
  • 1,219