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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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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 ...
6 votes
3 answers
3k views

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). ...
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 ...
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 ...
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....
7 votes
2 answers
4k views

How do familiars, animal companions, cohorts, followers, and the like fit into the wealth by level progression?

Though I am not advocating a strict adherence to the wealth by level progression, if that progression is used, how would "extra crew members" of PCs fit on the chart? The leadership feat text does ...
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, ...
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 ...
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 ...
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 ...
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 ...
50 votes
2 answers
432k views

What's the starting wealth for higher levels?

The PHB only gives starting wealth for Level 1 PCs. Based on my experience in other games, specifically Pathfinder, I would expect to get more at higher levels. Where can I find an appropriate table ...
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 ...
246 votes
16 answers
129k views

Without a magic item economy, what is gold for?

PHB page 144, Equipment, Wealth, Selling Treasure Magic Items. Selling magic items is problematic. Finding someone to buy a potion or a scroll isn’t too hard, but other items are out of the realm ...
5 votes
1 answer
767 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 ...
13 votes
3 answers
965 views

Pathfinder: How to balance Wealth by Level for a guild of player characters?

After several years of running tabletop one-offs I decided to try a campaign format that would let casual players hop in and out without straining disbelief while allowing for dedicated players to get ...
8 votes
2 answers
23k views

What's the highest possible Charisma score a character can reach?

What's the highest possible Charisma score you can end up with in Pathfinder, using official Paizo material only, assuming that you have an equivalent wealth level of a level 20 character?
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 ...
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 ...
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....
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 ...
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 ...
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 ...
5 votes
1 answer
757 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 ...
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 - ...
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 ...
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 ...
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, ...
57 votes
13 answers
18k views

How to handle wealthy player characters as a GM?

One of the long-standing settings our group keeps returning to is classic medieval fantasy. (Examples are MERP, Rolemaster, The Dark Eye -- But this question is aimed to be system agnostic and is ...
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 "...
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 ...
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 ...
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....
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 ...
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 ...
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 ...
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.
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 ...
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 ...
16 votes
5 answers
19k views

Creating Poison Cheaply - Potato Tea?

It seems that the effectiveness of poisons, both in the core list as well as in homebrew systems for inventing your own, are balanced with and directly proportional to their cost. However, there are ...
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 ...
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 ...
7 votes
2 answers
452 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?
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 ...
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 ...
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 ...
0 votes
2 answers
253 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 ...
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?
12 votes
1 answer
10k views

Starting wealth for Complete classes

Does D&D 3.5e have official random starting wealth tables for the classes given in the Complete supplements? I know there's a table for the core classes in the Player Handbook, but I can't find an ...
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 ...