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A lot of good replies here. I think this is a great grasp on the core of the question. As far as my group is concerned, spending their eventual wealth on real estate and donations and other such pure role playing expenditures will probably be engaging enough to the players to feel rewarding...

I've been playing in a campaign since the early release of the PHB and we're having a good time so far, but the latest session has introduced a little hiccup. After completing a fairly perilous quest, our party received 1000 GP of treasure, along with enough XP to get up to level 4. Of course...