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Message: <blockquote data-quote="Ilbranteloth" data-source="post: 7415807" data-attributes="member: 6778044">This thread again...To start with, all the sorts of things that normal people spend coin on. Their first adventure is like winning the lottery, so they can buy property, homes for their family, horses, wagons or carts. They can be Oprah, “you get a cart! And you get a cart!”Of course, parties and frivolous spending. Also much (most?) of the treasure is in something other than coins. And big and bulky, and the value varies depending on who you can find to buy it. In a recent tomb they found, it had tapestries, rugs, pottery, weapons, art objects, jewelry, all sorts of things, but very little in the way of coins. Much of it they couldn’t get on the first trip. They had to purchase some carts, mules, and hirelings to get the rest out.Coming back with lots of wealth also brings all sorts of new “friends” out of the woodwork, new taxes they didn’t know about, and they have been targeted by thieves.Also, the coins were ancient and no longer in circulation, so they couldn’t be spent. They either had to be sold to a collector ( who only wanted a handful of mint examples) or the money changer. However, they only have value of their weight in gold, and they’ll have to melt them down or sell them to somebody who can, so are probably worth 25-50% of face value.But most people who gain sudden wealth spend it on consumables and frivolous things along with things they think will be of value and often aren’t (or they overextend, such as too big a house, with servants, etc.). For example, building and maintaining a keep is extremely expensive, and requires multiple adventures. Some will start businesses, often a merchant operation. That requires lots of travel, or partnering with merchants who will. It requires a lot of people, guards, supplies, carts, wagons and animals.Wizards need a home, laboratory, library, rare ingredients, books and book making materials, etc. a fighter will want better armor, and most will buy far more expensive clothes, armor, weapons, etc. all highly decorated, with gold, silver and gems inlaid in the hilt. Personal jewelry, and all that sort of stuff too. The real question in my mind is how they have any coin left if they happen to find magic items to buy.</blockquote>

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