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Message: <blockquote data-quote="Matthias" data-source="post: 4030277" data-attributes="member: 3625">I've started up an e-campaign using some of my masterwork rules. It's become quite apparent that NPCs are literally swimming in money with nothing to spend it on when I create them using the existing DMG tables for NPC wealth (DMG page 127).So I was thinking of slashing all NPC (and PC) expected wealth tables (see also DMG pages 135 and 209) to 10% of the listed values per level, but leave the market values for magical equipment as-is. A 20th level PC would be worth 76,000 gp, able to afford some of the best nonmagical gear money can buy, but he'll have to trade almost all of it for a mere +5 sword and a +5 set of armor or shield.The 10% rule won't work too well at the lower levels for PCs, so we will need to fudge things a little.FOR PCs1st level == per class (up to 480 gp)2nd level == 580 gp3rd level == 700 gp4th level == 860 gp5th level == 1,050 gp6th level == 1,300 gp7th and up == 1/10th of what's on DMG 135 & 209The tables for NPCs should be okay at 10% of normal (DMG 127), I guess.I've also looked at Iron Heroes (but haven't had the money for it). D&D 4th Edition's deemphasis on magical gear also looks promising.What do yall think? Will the 90% cut in character wealth, balance out the lack of expensive magic gear? Or should I go with a different percentage?</blockquote>