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Message: <blockquote data-quote="KarinsDad" data-source="post: 4264845" data-attributes="member: 2011">I'm actually ok with the XP (and magic item) rate of advancement. I just have an issue with the monetary rate and the fact that a PC can adventure for 2 levels and then suddenly buy a ranch full of horses and start a business, even though he has only been at it for a month. I've had that issue since 1E. Pet peeve.Actually, I've already handled that for my game.I am using the suggested monetary rate of advancement that I mentioned on the first page of this thread (which is ~3.2 times cost per + of item combined with ~25% monetary acquisition rate at first level, i.e. 200 GP).So, I associated the purchase price of magic items with my monetary acquisition rate (just like WotC did) and then changed the 20% return to 30% return. Ditto for rituals.In other words, the math works the same for everything except mundane items and the re-sell of magical items (the return rate is, as you suggest, adjusted so that a PC can sell the +2 item and replace it with a different +1 item straight up, just like in 4E). The PCs gain the same amount of magical items of the same level as suggested by the DMG.What this does is lower the amount of money acquired over 30 levels by 97%. That sounds high, but it really isn't. The 30th level PCs are still millionaires (with hundreds of thousands of GP in wealth), they are just not billionaires (with tens of millions of GP). And, they are still the richest people around shy of possibly an Emperor (the first of whom was probably an adventurer himself). The PCs also stlll have the exact same magical items. They can use the exact same rituals for the same percentage of their money.The only thing it does is prevent them from totally destabilizing the economy as easily (especially during the first 10 levels) because they do not flood the market with gold to the same extent. It allows me to have the rare city with an actual market for magical items, especially low level magic items in the hundreds of GP as opposed to the thousands and tens of thousands of GP of 4E. It allows me to create an economy where even low paid laborers can make 5+ SP a day and innkeepers can make 10+ GP a day and can afford low GP cost items.The DMG (IIRC) has the PCs acquiring 720 GP at level one and a first level item costs 360 GP and sells for 72 GP. I hand out 200 GP and a first level item costs 100 GP and sells for 30 GP. The PCs can still buy two level one magic items with the money. It's just a different economy of scale.And except for Rituals, it was pretty quick and easy to convert.</blockquote>

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