Brett Bussart
Explorer
The cost is between you and your DM. The hireling would likely want a signed contract promising payment regardless of the success or failure of the adventure. How the hireling is paid to cast spells is part of the contract, or you could just supply it with the scrolls, wands, staves, or rods you want them to cast spells from that you can't use because you can only attune to 3.How much does it cost to hire a 5th level wizard to accompany the party on the adventure, above and beyond the cost of every spell cast? How do we generate that character? Do we use a Mage NPC stat block or do we create a PC?
More importantly, in what world is that the simpler option?
How you work out the NPC is between you and the DM.
Tasha's recommended using the sidekick level option. D&D Beyond has the quick build option. It's not like this has to take a long time or be overly detailed. How much or how little goes into it is up to you, and the DM.
It's simple because there are already rules for it. It is balanced out in the rules already, and since most players complain about having too much loose gold, it is a more than viable option to increase the parties power without having to make up new rules, playtest them and worry about things like "balance".
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