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Message: <blockquote data-quote="Sword of Spirit" data-source="post: 9766737" data-attributes="member: 6677017">I go even further than others with the assumed value of coins. I treat 1 copper piece as the conceptual equivalent of $1 USD. That means a silver is $10, and a gold $100.This was not arbitrary. I looked at the price of real estate in the DMG. I looked at the price of lifestyle expenses and hirelings (although I provide more tiers than listed), food and lodging. It works.Most things fall into a logical place that way as far as purchasing power. Weapons and armor are so expensive because they are state of the art military gear, which pretty much always has been expensive.It also means you should adjust how much money NPCs can afford to pay for things. If the adventure says the mayor of some thorp can pay each character 100 gp, you have to think whether it's reasonable that he would be willing and able to pay a total of $50,000 (or whatever party size dictates) for the service.As far as loot from monsters and dungeons, I split it in half. But I also use a lot slower advancement, so that is to keep the party from being way above default wealth (they are already around 2x above). You don't have to do that for the value equivalency to work. Treasure hoards of dragons and such should be worth a ton, and by default individual monsters aren't typically carrying a lot of wealth.</blockquote>