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Message: <blockquote data-quote="Byrons_Ghost" data-source="post: 1401324" data-attributes="member: 7396">Ah. I'd obviously misunderstood the Spycraft analogy- in that game, budgeting and distributing gear are hard-coded into the system, to the point where they're class features that are taken into account during character design.Ok, your problem makes a little more sense now. One thing that it depends on is the availability of magic items in the campaign. If you limit what they can buy easily, then you at least don't have to worry about the more ridiculous items getting acquired.Another option is to take a hard look at these "schemes" and make them start making hard checks. Calling for rolls like "Knowledge: Finance" and then taking all their initial investment when they fail might get them to think twice about constantly risking their cash. The same could be said for gambling (don't know what mechanics you're using there)- the cardinal rule in gambling is that the House Always Wins. Come up with a random die to roll to represent odds in the house's favor- if a 1 comes up on a d6, the House wins no matter what the gambler's skill. Almost all casinos (and definately the American ones) have the odds stacked in their favor so that they win ties, or if a certain number comes up they win everything, etc. Plus, there's always fixed games, which may get activated if the stakes are very high.If they're really intent on playing out investments and whatnot, then you can assign salaries and make them track every expenditure- house, car, boat, etc, on a monthly basis. Once they have to shell out 75% of their salary each month for living expenses, they may not be so eager to just blow the rest. Another option is to get rid of cash altogether, and go with D20 Modern's Wealth System (which sounds like it might work better for you anyhow, since it takes things like credit ratings and magic item purchases into account). The rules are independant of classes, and could be ported into a homebrew system without too much trouble. Go to <a href="http://www.wizards.com/d20" target="_blank">www.wizards.com/d20</a> and check out the Modern SRD to see what they're like.</blockquote>

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