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Message: <blockquote data-quote="kitsune9" data-source="post: 4696485" data-attributes="member: 18507">I use the starting treasure values for each PC and then break it up for the encounters. So if I know that a starting PC is supposed to have 20,000 gp at their level and there are 5 PC's, I'll put in 100,000 gp worth of treasure, mundane items, magic items, etc. This includes the swag that they'll loot from dead NPC's and villains' bodies. I keep track of XP for the party, so I know how many encounters will generate how much XP for them to get to the level where starting PC's will have 20 k gp each. I'm not worried about PC's who would hoarde their cash to buy a mega sword +5 at 5th level since I use GP limits similar to what the RPGA did for Living Greyhawk so that prevents obtaining crazy items. Overall, it's kind of time-consuming, but it's fun and the players get to have some swag instead of scrounging their coppers to buy a longsword +1 at 8th level (I played in a few campaigns where the DM was a total miser <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" />)</blockquote>