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Message: <blockquote data-quote="AdmundfortGeographer" data-source="post: 5019900" data-attributes="member: 4682">Fantasy Craft has a nifty character attribute called, simply, Lifestyle. It can affect various downtime checks. Lifestyle is distributed between panache and prudence. Lifestyle is built from bonuses from the Charisma bonus, certain classes offer lifestyle bonuses, and from some feats.As panache increases, the PC gains a (smallish) income at the start of each adventure plus an Appearance bonus.As prudence increases, the PC's discipline with time and money improves.In FC, coin comes in two categories; coin in hand and stake. Coin in hand is all money earned during the adventure and can be spent freely. Stake is money put aside for big items or emergencies, it can only be pulled from in cities or home base. At end of each adventure, PCs can transfer their coin in hand to their stake. The remainder coin in hand is immediately frittered away during Downtime (drinking, partying, impressing, gambling, bribing, food, rent, personal debt). The amount of coin in hand that can be transferred to stake is a percentage determined by the prudence score.Doesn't really answer "how much" in a finite way, but it is an interesting mechanic that lets players control how spendthrift their PCs are. It can be easily plugged into other D20 games. Lets DMs avoid handing out a one-size-fits-all-PCs fiscal punishment.</blockquote>