So I'm thinking of retiring Empathy, mostly because playing a psychic character is extremely boring. I'm sure having an average roll of about 7 didn't help much, but having basically 2 options for every battle just gets old. (Then again, maybe I'm just tired of level 1 characters.) Also, the RP direction I took the character in didn't really go anywhere.
In any case, I wanted to double-check the retirement rules. My plan is to sack her and give a boost to my other character, Mervin, since he is perpetually 2 levels behind in every adventure he has participated in, and I'm not really interested in making a 2nd PC again right now.
Empathy just received 1696 XP, taking her to level 2. My understanding is that I can retire her and then divide that total in half for 848 XP, and then spend it on my other character, which would ding level 4 for him. Then, I can gain some sort of time gold, and this is rather confusing, but... I think he'd have 848 / 145 (level 4) = 5.85 months of time gold, which translates into 175 (level 4) x either 5, or 5.8, or maybe 6, I'm not sure, for a total of somewhere between 875 g and 1050 g.
Does this seem correct? And would it be ok to round up for time gold, or does it need to round down?