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Message: <blockquote data-quote="the Jester" data-source="post: 1033310" data-attributes="member: 1210">Ignoring the debate over the FR and high-magic vs. low-magic, I think it's easy to justify huge wealth without many magic items.A 20th-level pc should have 760,000 gp worth of gear.  Let's say he's a fighter, just because we're positing a low-magic environment.  With that much money, he's probably got his own castle- let's put it on the coast.  (I don't have the Stronghold Builder's GB, but my 3.0 dmg calls a castle 500,000 gp).  Give him five heavy catapults, a moat with a bridge, and a few warships for coastal defense.  Let's give him masterwork full plate & shield and a mw bastard sword, a masterwork mighty composite longbow, and let's see what's left:Castle- 500,000 gp5 heavy catapults- 4,000 gp (5@800 gp each)Moat and bridge- 50,000 gp4 Warships- 100,000 gp (4@25000 each)One set of armor/wpns- 3170 gptotal so far: 657,170 gp, leaving less than 100,000 gp left to spend.  That's still a lot, but this guy has no servants, nor does he have any magic items, arrows, food, clothes other than a single set of armor, etc.  There are a lot of things that can eat up tons of a pc's money.  Consider also the possibility that the character's near-million gp is tied up in business assets, including inventory, warehouses, land, and wagons for moving items.  Also consider that many pcs have lots of money on hand in case they need it for something.</blockquote>