Upgrade your account to a Community Supporter account and remove most of the site ads.
ShortQuests -- Pocket Sized Adventures! An all-new collection of digest-sized D&D adventures designed for 1-2 game sessions.

Reply to thread

Message: <blockquote data-quote="Guardsmith" data-source="post: 3409569" data-attributes="member: 19119">Wealth and the Wealth BonusThese two excerpts from the book might help:- from CR pg 92 "Lifestyle""What sort of lifestyle does your character live? Does he drive an exotic car and own a speedboat, throwing lavish parties and flying off to Rio for the weekend? Or does he subsist on microwave pizza in a one-room apartment? That question is answered, in part, by the objects you own and your current Wealth bonus."A character with a mid-range Wealth bonus (say, +7) can generally afford items costing around $50 without his Wealth bonus going down. Such a character can afford a meal at a good restaurant, a ticket to a basketball game, or a new computer game pretty much any time he wants. More expensive lifestyle options are always available, but only at the cost of driving his Wealth bonus down - so he can't really live beyond his means for long. Of course, if he already owns a Ferrari, having a lower Wealth bonus does not mean he has to give it up. He still drives an expensive car - he just can't currently afford to do all the other things people associate with that kind of life."A poorer character - with, say, a current Wealth bonus of +4, can generally afford a $20 expense without reducing his Wealth bonus. A night at the movies might be a routine entertainment, but he can't regularly afford anything more expensive. Rich characters, those with Wealth bonuses of +15 or higher, can easily drop about $500 at a time, meaning that they will fly first class more often than not." - from CR pg. 93 "Rent or Own?""The rules of Wealth don't say anything about paying rent or having a mortgage. That's because such day-to-day expenses as a home, utility bills and groceries are already built into the Wealth system - your Wealth bonus reflects your buying power after paying for such basics."Since the cost of rent is already built into your Wealth bonus, why should any character want to waste Wealth checks on something as expenseive as a home? The answer in game terms is the same as in the real world: When you own your own home, you aren't subject to someone else's rules on how to use it. Want to build a secret lab in your garage? That's kind of difficult in an apartment building - but you can probably do it if you own a house."To buy a house, you only have to make a Wealth check for the down payment (that's what the Purchase DC in the Housing section of Table 4-10 represents). You don't have to worry about the monthly mortgage payment, just as a renter doesn't have to worry about the rent."</blockquote>

Verification