Questions tagged [wealth]

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

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33
votes
15answers
7k 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 ...
5
votes
1answer
91 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 ...
3
votes
1answer
161 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 ...
2
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0answers
69 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
2answers
256 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 ...
10
votes
1answer
540 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 by a ...
4
votes
2answers
248 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 ...
3
votes
0answers
70 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 "...
2
votes
3answers
127 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 ...
1
vote
3answers
242 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 - ...
6
votes
1answer
665 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....
1
vote
0answers
244 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
4answers
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 ...
14
votes
2answers
2k 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
2answers
305 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 ...
12
votes
1answer
573 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 ...
10
votes
5answers
890 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 ...
13
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6answers
6k 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 ...
3
votes
1answer
1k 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
2answers
297 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?
68
votes
12answers
22k 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 ...
3
votes
2answers
225 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 ...
22
votes
5answers
3k 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 ...
8
votes
2answers
183 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 ...
0
votes
2answers
207 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
1answer
555 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?
4
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3answers
952 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....
0
votes
1answer
1k 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, ...
4
votes
0answers
285 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 ...
3
votes
5answers
1k 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 ...
7
votes
2answers
899 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....
22
votes
4answers
8k 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 ...
4
votes
1answer
285 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 ...
10
votes
3answers
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 ...
5
votes
2answers
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, ...
8
votes
1answer
894 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 ...
12
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3answers
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 ...
8
votes
1answer
1k 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 ...
7
votes
2answers
234 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 ...
2
votes
5answers
981 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 ...
5
votes
2answers
13k views

Whats the highest possible Charisma score a character can acquire in Pathfinder?

Whats 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?
43
votes
2answers
297k 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 ...
9
votes
2answers
645 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 ...
5
votes
1answer
1k views

Optimizing Inherent bonus purchasing to gain as many Skill Points as possible

Premise: I know that houseruling retroactive skill points would prevent this from being a problem. I'm aware of the possibility. It just isn't what is true for most characters I make. This question ...
7
votes
1answer
504 views

How is treasure determined randomly for CR 21 or higher creatures?

The Magic Item Compendium says Step 1: Roll on Table A-1: Treasure, using the monster's CR to determine which row you will use. (265) Table A-1: Treasure only goes to Challenge Rating 20. The six ...
4
votes
2answers
1k views

Starting at a higher level

In a campaign I will be playing in soon, we are starting with 10k experience apiece (this is to have a higher-stakes campaign, and the reason we get a set amount of xp instead of levels is that ...
16
votes
5answers
16k 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 ...
10
votes
3answers
12k views

How should I hand out magic items in D&D 3.5e?

So, I started running a standart 3.5 campaign (magic average) with four PCs several weeks ago, and as I am a rookie DM and quite an inexperienced player myself, I am starting to wonder when and in ...
51
votes
13answers
15k 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 ...
15
votes
5answers
1k views

Should the DM try to actively fix party wealth in a sandbox game?

This question is inspired by this WBL question. The consensus seems to be that WBL is important. But in a sandbox game , where the course of action is determined by the players, what should be DM's ...