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Message: <blockquote data-quote="John Morrow" data-source="post: 1964600" data-attributes="member: 27012">The first thing to remember is that merchants rarely by equipment from people at list price.  Use 50% as a general rule, because the merchant has to mark the prices back up to make a profit.  As with used cars, your PCs will get more money if they go through the effort of selling equipment to people who want it rather than selling it to merchants for resale.  The second thing to remember is that if they have a lot of equipment and treasure to sell, there may not be anyone who wants to buy a lot of it.  Just because they have something to sell doesn't mean that there is somebody to buy it.  Don't forget to take a look at the rules for how much money a town might have available for trading.  You'll find that information on page 137 of the 3.5 DMG.The third thing to remember is to charge the characters taxes, moneychanging fees, appraisal fees (I often charge the PCs a 5%-10% appraisal feel, waived partially or completely if they sell the appraised item to the appraiser), and mark-ups.  Remember that pro-modern shops didn't necessarily have fixed prices and a merchant might charge obviously wealthy looking PCs more than list price for the goods that they want.Finally, if you are looking for a good one-time correction for a mistake that you made in giving out too much stuff, have a thief or bad guy far more powerful than they are take their treasure either by theft or by beating them up and taking it.  This could set up a villain for them to go after done the road when they get more powerful.  A more subtle version is to have someone swindle their money by lying to them or breaking a contract (e.g., "You give me 50,000gp and I'll get you a..." -- the PCs give the NPC the money and the NPC simply disappears).Remember that wealthy PCs, like wealthy NPCs, attract thieves, charlitans, and crooks of all sort.  If they aren't careful and word of their wealth gets around, there should be no shortage of people trying to relieve them of their wealth.  This happens in the real world with lottery winners and all sorts of other people who suddenly find themselves rich.</blockquote>

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