Masada said:
I'm still surprised to hear problems with too much Wealth. There are always more expensive toys to buy.
Like what? I'd love to hear this. (And realistic things, not tanks, helicopters or mansions, nor broken things like rocket launchers.)
Failing that, there is a point in the game where the gear just doesn't matter.
That happens about level 2, IME.
If you find yourself with very rich PC's then move your campaign up a notch. If the players have mostly been a "hit team" of sorts, then give them a political agenda. Make the campaign bigger than just the smash and grab jobs. Buying gear is pretty straight forward, but buying influence can be much harder.
There's very little rules support for this, and I don't have personal experience with using bribes, either.
Also, if the PC's have made any friends along the way, well then maybe those friends need help--posting bail, investiment money, loans to repay, etc.
Like the PCs would do that. I try not to use that as plot hooks, anyway. Teaming up with an NPC friend to make a business investment is one thing, but they're not going to bail someone out unless it's their own fault the guy got arrested.
Have the players start funding research in to better gear. Proto-types will cost 10 x's the cost of normal gear. (Be mindful of Monte Haul)
No way! I've played D20 Future and DnD more than enough to realize how this is a huge problem.
Something I don't see represented in the Wealth system is the real world scenario where as you make more money a larger percentage is taken away in taxes and other costs. In reality a PC who was keeping up with a profession would see regular wealth increase to about 15-20 and then plateau. At that point, unless you're in a major cash profession like doctor, lawyer, or investment banker, you're not going much higher in Wealth. Also, to actually get that wealth as a doctor/lawyer/banker you're spending 60 hours a week working--not adventuring.
While this is realistic, if you spend less than you're taking in, your Wealth will go up. For instance, if you're a lawyer, but you're not trying to become a partner (even if you have the skills to do so), you're probably not going to work all those extra hours. (I think not - I'm not a lawyer myself, and neither are many of my PCs.) So, you get a good paycheck, but not what your boss is making. However, you don't have any expenses other than a mortgage, utilities (water, electricity, cable bills, etc) and a car, and you don't spend money unwisely. Even if your character doesn't invest money, his Wealth will go up.
So even if the PC's did succeed at the Profession check at level up I'd adjust it based on how much free time they player had to work their profession. So assuming the PC had managed to level without any time away from the job they'd get 100% of the bonus. If they could only have worked half-time, then they only get 50% of the bonus.
I might even get motivated and apply Wealth caps to Professions... So a garage mechanic would never be able to get a level up wealth bonus beyond 15 and a doctor might get as high as 30. This would only apply to level up wealth bonus checks. You could even be forgiving and say that the PC could always get +1 beyond their cap, but not more.[/QUOTE]