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<blockquote data-quote="TheSword" data-source="post: 8260126" data-attributes="member: 6879661">I’ve tried a few different systems. The one I settled on uses this formula.<a href="https://www.dndbeyond.com/forums/dungeons-dragons-discussion/dungeon-masters-only/79378-character-wealth-gold-by-level" target="_blank">Character Wealth (Gold) by Level - Dungeon Masters Only - Dungeons &amp; Dragons Discussion - D&amp;D Beyond Forums - D&amp;D Beyond</a>Note those lists are wealth only, and don’t include magic items.Yes Magic items can be bought and sold using the downtime rules in Xanathars Guide. This keeps item sale to higher levels.When it comes to divying up treasure, players take by utility first (and I balance treasure to utility) then they roll off for things that are equally useful to several players. If a player was getting behind in terms of items through bad luck. I’d make sure they get some more suited to them. The group chose that method. Because... well... because they’re rational human beings.Treasure gets split out when it’s sold. Magic item value isn’t considered at all.Normal equipment has no value. Finely crafted items become the equivalent of art objects so would be sold for their value and are part of treasure. This lets me give the orc chief a nice weapon and it stand out from the rest of the Orcs, without it being magical.Stealing treasure is a bit of a douche move. I may use such a plot once every couple of campaigns but I would be very careful. They would probably have chance to get it back.Magic Items are given as per the Xanathars Guide distribution. With the exception that I give scrolls and potions on top of this. I sometimes combine items effects into a single item for common items.</blockquote>

[QUOTE="TheSword, post: 8260126, member: 6879661"] I’ve tried a few different systems. The one I settled on uses this formula. [URL='https://www.dndbeyond.com/forums/dungeons-dragons-discussion/dungeon-masters-only/79378-character-wealth-gold-by-level']Character Wealth (Gold) by Level - Dungeon Masters Only - Dungeons & Dragons Discussion - D&D Beyond Forums - D&D Beyond[/URL] Note those lists are wealth only, and don’t include magic items. Yes Magic items can be bought and sold using the downtime rules in Xanathars Guide. This keeps item sale to higher levels. When it comes to divying up treasure, players take by utility first (and I balance treasure to utility) then they roll off for things that are equally useful to several players. If a player was getting behind in terms of items through bad luck. I’d make sure they get some more suited to them. The group chose that method. Because... well... because they’re rational human beings. Treasure gets split out when it’s sold. Magic item value isn’t considered at all. Normal equipment has no value. Finely crafted items become the equivalent of art objects so would be sold for their value and are part of treasure. This lets me give the orc chief a nice weapon and it stand out from the rest of the Orcs, without it being magical. Stealing treasure is a bit of a douche move. I may use such a plot once every couple of campaigns but I would be very careful. They would probably have chance to get it back. Magic Items are given as per the Xanathars Guide distribution. With the exception that I give scrolls and potions on top of this. I sometimes combine items effects into a single item for common items. [/QUOTE]

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