Simple. They don't.
On the average, a 1st Level character has a base of +5 for wealth. 2nd and 3rd Level characters simply get +6 (note that the 1st and 2nd ones are misprinted; the 1st one shouldn't be there at all, while the 2nd should be +6.)
So. Unless the 1st Level character gets lucky, it should start out with less.
Something that further helps the character above Level 1 is that they can automatically take a 10 or a 20 when purchasing things at character creation. This makes a
big difference over Level 1, where you still have to roll and simply hope for the best.
How do I know all this? Wizard's
Bullet Points. There's also a guy whose gathered together all the
errata for D20 Modern, because, for some reason, Wizards hasn't. Bit unclear on why that is, actually.
Only problem is, his errata is a tad unwieldy. He repeats sections for every chapter they are relevant to, leading to a lot of needlessly repeated information.
Anyway. You still gonna give us those free items, Orvallon?