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Message: <blockquote data-quote="Moonsword" data-source="post: 587364" data-attributes="member: 7174">Okay, let's hit these in order.First: the occupation.  Most players are not going to take that, IMO only.  I could be wrong.  Please keep reading, this is _not_ a flame.   No offense, but I wouldn't, as a player .  As a GM, however, this is extremely useful.  This occupation allows GMs more flexibility in creating characters than in the core rules.  I view that more as something to stick in my box of tricks than to use as a player, but still...  Nice work.  Kudos, and I will probably use it when I run campaigns.  It's also very well balanced, in case a player does happen to take it.  Windfall could be a problem though.  I doubt it, but it is a possibility to consider.Next, Frugal.  Well balanced, and quite functional.  Pretty innovative, as well.  I might not use it (though I very well could, depends on my PC), but a lot of people probably would in this case.  It's just not my cup of tea, and I would use it for certain NPCs.  It is useful, and can help flesh out characters of any sort, player or otherwise.Last but not least, Financial Guru.  This is the only potentially unbalanced one of the group.  Something that does happen in D&D is that when a character no longer meets the prerequisite for a feat, they can no longer use it. I believe that is also true in d20 Modern.  If it isn't, this is not as large a concern.  You might want to change thje feat to read that this applies even if the character's wealth bonus drops below 18, but include a bottow, say 9 or so.  At that or below, they have to start taking money out of their portfolio and stocks to help pay expenses, so it becomes a concern, and the character no longer has enough money to play the sort of games he can otherwise.  A needed feat, however, and again useful in fleshing out NPCs, especially the 'rocket scientists' of Wall Street.All around, I give you a high A for both effort and product.  Good work <img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f642.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":)" title="Smile    :)"  data-smilie="1"data-shortname=":)" /> !</blockquote>

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