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Message: <blockquote data-quote="Morgenstern" data-source="post: 1780905" data-attributes="member: 5485">I'd like to thank everyone who has come up with a simple explination of day-to-day changes for my bum (most of which also work for college students <img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f61b.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":P" title="Stick out tongue    :P"  data-smilie="7"data-shortname=":P" />) in almost coincidentally boosting his lifestyle with a small windfall. Why a one time boost can lead to a long time benefit in a concrete example helps. I'm not entirely sure it always should, but clearly some of the biggest stumbling blocks (lack of fiscal discipline) can knock that windfal off again quickly. I am also starting to formulate some optional rules that might patch the extremes (both low and high) a little, but some of the more recent comments brought up even more interesting ideas.Do you ever use wealth score as a modifier for social interactions? Can an obvioulsy wealthy person expect better treatment from the service industry, and is this a useable tool to flavor or even tangibly alter game play? A lower middle management yuppy and a world-class athlete get markedly different trreatment when vacationing in Las Vegas. Mostly based on how they dress and how they tip (tips being proportional and far below the threshold of permanent changes one would hope), rather than the staff necissarrily knowing who they are. Has anyone tried hanging some mods off of wealth to reflect this?Has anyone had a character wanting to use the Disguise skill to dress up or dress down, with it affecting their apparent wealth? Are people runing games at all where the characters (or some of the NPCs) are perfoming elaborate cons, where being able to pretend your wealth is (a lot) other than it really is would be a huge factor?Are there rules for finding out someone's wealth rating... or apparent wealth rating?If me and my buds find a suit case, can I forego my cut, maybe for favors from them later? Sort of a~ "Nah, man. I'm flush right now. You guys split it.""You're a great guy Danny - We won't forget this."Are there any rules for splurging? Can I tank my permanent wealth rating 2 points (or more!) in the future for something extravagent now? Something I could not buy with a regular roll? Would the same sort of big purchase up front, higher long term cost make sense of characters actually did want to take out a loan? The rules have been described as modeling the "optimal" use of funds and time, but we all know there are real world strategies of short term gain that aren't always without merit. Buying a house seems like the ultimate common real world example of big purchase beyond your month-to-month means, with long pay out. Is a 1 point knock appropriate for such a purchase or can characters stretch themselves? The phrase "leveraged to the hilt" is both a spur for dramatic action, and a great clue in many investigation scenarios where I come from <img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f642.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":)" title="Smile    :)"  data-smilie="1"data-shortname=":)" />. Guy has a lot of expensive things, but less disposable income than the bum...Does the book have gambling rules? Can I go to Vegas and drink cheap drinks while watching my wealth rating bounce up and down for a weekend? With the house probably cleaning me out to the extent that I'm willing to risk, but maybe I bet big that one time?I've been watching Law & Order all week. The fun they get into with mobsters, extortion, and racketeering is too good to let money go by entirely abstract in some modern settings. Loan sharks. Paid hits. Embezzlment at an upscale office park. I wouldn't ever sweat stopping for a tank of gas unless I was running a game where the players were ultra poor. Before you all laugh at the idea of Homeless D20, I've got some great stories about vampire LARPers being chased by a bum with a stake - a couple of homeless folks vs. a vampire threat that regular folk refuse to acknowledge (could make for a heck of a challenging scenario... But, hand waving/abstracting all money matters without offering even the basics of guidelines seems like a mistake to me. Money IS drama. On tap. Or to quote Way of the Gun to the best of my recollection~"Two-million dollars isn't money. Money is what you've got in your pocket when you go down to the grocery store. Money is what you buy a gallon of milk with. Two-million dollars is a motive with a universal adaptor on it."</blockquote>

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