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Message: <blockquote data-quote="wingsandsword" data-source="post: 5878018" data-attributes="member: 14159">The whole point of taking 20 on a wealth check is to represent doing paperwork and taking time to arrange financing.Buying a new car would be Taking 20 on a wealth check for most people, because they would have to take time to set up the financing, make some calls, get credit approval for a loan, and still manage to have enough money on-hand to cover the down payment.  Also, don't forget that any wealth check is supposed to take 1 hour per point of the DC, so it takes 30 hours to make a DC 30 purchase.  That means you can't just whip out your charge card and do it (taking 10 gets you DC 20, equivalent to $2000), you have to spend time making arrangements, which will take more than a day (even working 12 hours a day on arranging the financing, which is pushing it for how long businesses are usually open, it will take into the third day of work on the issue).For taking 20 with that minimum Wealth bonus of 10, what is that equal?  According to the core rules, a Purchase DC of 30 is supposed to be equivalent to $35,000 (in presumably 2002 dollars).Think of a rich trust fund brat who won't ever really run out of money because his father is a billionaire, he might not have billions to spend on his own and has to live on an allowance, but it's a big allowance, because somebody backs him financially and won't let him end up poor, even if it doesn't mean he gets blank checks.</blockquote>

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