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Message: <blockquote data-quote="Masada" data-source="post: 3058361" data-attributes="member: 19339">Sorta... Wealth 0 means you're still paying the bills.  There is no negative impact other than you can't buy anything over PDC 10 (and you have to roll for it).  So if all things remain the same you still own your car, gear, home etc.To take a stab at answering my own question I'll steal from a post on the WotC board that was  similar to what I was thinking as a suggestion.Going for BrokeThe player can elect to put 5 points of wealth on the line in an extravagant purchase.  After rolling to make the purchase the players loses the 5 points of wealth regardless of actually acquiring the item.  The player can then add +10 to his/her Wealth check in addition to their current Wealth Bonus.  The cost of the attempt is normally calculated and deducted with an additional 5 points lost.  This attempt could put the player in a negative wealth situation.Wealth below ZeroA negative wealth value indicates the character is swimming in debt.  They are actively dodging debt collectors, have trouble keeping up payments on services such as cell phones, utilities, car payments, etc.  The player can not make any purchases or attempt "Going for Broke".  If wealth remains negative for more than 30 days, the player has no utilities or recurring services.  After 60 days the player is homeless and will be actively fighting off vehicle repossesion.</blockquote>