skeptic said:
I would like to hear you about wealth management (if you used to follow the official guidelines) and giving appropriate "awards" at those levels.
Access to high valuable magic items could be an interesting topic too, but it's kinda campaign specific.
My campaign (DL 4.5th age) has only a handful of epic casters to make items and no real backlog of epic items. Since my campaign master plot is based upon a new pantheon of gods, I use them as the source of magic "items." The party at one point received stat points as "loot" from the god of life, which I treat as double-price books for wealth. For now I figure the party will be fine with ultra-expensive non-epic items.
I'm hoping the introduction of the Fey in Underhill will give me a reasonable way to introduce the real epic ones. After all, a fey crafter will think its nothing to spend a decade making a single item. They may not make another one for a millenia but the fey will still have a stockpile of items that to them are nothing more than an interesting bauble. And yes, I'm using the Le Shay as the basis for my fey nobles.
I avoid using too many "big piles of coins" by noble NPCs rewarding the party with properties and titles. It started small (they were given a big house in an elven village and the rank of Captain of the Militia at 7th level) then were each given 300 acre farms and the rank of Captain in the Army, and most recently they were given a cargo ship, declared Imperial Champions in one nation and made Colonels in the King's Guard in another. Each provides a relatively small (for the level) income but they add up to a couple thousand GP/year when combined and have a number of small perks that say "I'm a VIP." (e.g. can stay at military bases and requisition basic supplies for free, ability to legally give orders to the masses, don't pay city entrance fees or road tolls, etc).
Most importantly, from a wealth aspect, is I rewarded them once with shares in a caravan which turned a tidy profit. A few took the money and ran but the canny cleric immediately reinvested it. Sure, he was down some cash for a level or so but when the caravan returned he was up a fairly large amount of cash. Right now my party has around a half-million gold invested in a variety of merchant houses as well as a loan made to a small town.
The party's adventures tend to create revenue. How? If they tell their merchant allies about a plague it results in a caravan NOT being trapped in a quarantine. A red dragon that burns fields means a massive demand for grain in the region. A mine invaded by monsters can result in rapid fluctuations in the metal market. The use of a Sending spell results in sizeable profits.
Thus the party profits from their adventures without my having a huge pile of gold or gems handy in BFE.