Okay, here's my solution to the wealth problem . . . I finally found the solution! This just SCREAMS balance all the way! Realize now that this is based on the logical conclusion that wealth gains decrease per level after Level 40, although wealth DOES still accumulate. I have found a formula, a simple one, that works! This is AWESOME! Who says Ea is the only math expert around here? 
First off, use the rules and charts in the ELH as-is up through Level 40.
Above Level 40, however, the rules have to change for the sake of balance. UK, as good as you usually are at balancing these things, the Level x Level x Level x Level x 5 formula simply does not work, giving away WAY too much wealth at higher levels and INCREASING the gains per level!
The balance is in listening to the ELH's explanation that wealth accumulates at a slower rate after Level 20. Even more importantly, that rate slowly down once more at Level 40 to the point where the growth per level stops entirely. Any other way, and you get lots of wealth problems VERY quickly. Using the following formula guarantees balance pretty much INFINITELY through the levels!
Here we go!
The formula itself is basically that, starting at Level 41, the increase in wealth is 1/Level. This means that the increase from Level 40 to Level 41 is 1/41, the increase from Level 41 to Level 42 is 1/42, etc. Basically, it's works as follows, where W is your new wealth, C is current wealth, and L is the level you are attaining. If you were going from Level 40 to Level 41, it goes like this:
W = C * [(L + 1) / L]
Looks complicated? That's what you think! After doing the calculations, I have been able to figure out the EXACT numbers that make this SO SIMPLE! First, I must point out that for all final calculation of wealth, I rounded to the nearest gold piece. (If you don't do that, it IS 100% exact and thus more accurate, but then you must contend with fractions of a gold piece. Rounding down, the loss of wealth is negligible and not at all a factor, like maybe 1 gold piece per 3 levels and that's about it.)
Do the math yourself if you'd like. Using the EXACT formula (without rounding), the gain at EVERY SINGLE LEVEL is EXACTLY 331,707.3171! That's right. EXACTLY THAT. You get this:
Level 41: 13,931,707.3171
Level 42: 14,263,414.6342
Level 43: 14,595,121.9513
It's that exact! Of course, those franctions complicate matters unnecessarily, and as I said, the losses from rounding are so miniscule that they aren't even a factor.
That said, simply put, a character gains 331,707 gp per level from Level 41 through inifnity! In this way, you still acquire more wealth, but the "gains" per level stop entirely, balancing everything out PERFECTLY!
Using the new formula, you get this through Level 60:
A simple formula that can find the wealth at any level is as follows, where W is your wealth and L is the level you are attaining:
W = 13,600,000 + [331,707 * (L - 40)]
See? I did it! I found the perfect formula for wealth! Simple, easy to use, accurate, PERFECT!
ENJOY!
Whoops, one more thing. Wealth for NPCs, starting at Level 41, would be exactly half of the wealth for PCs. There! All problems solved!
First off, use the rules and charts in the ELH as-is up through Level 40.
Above Level 40, however, the rules have to change for the sake of balance. UK, as good as you usually are at balancing these things, the Level x Level x Level x Level x 5 formula simply does not work, giving away WAY too much wealth at higher levels and INCREASING the gains per level!
The balance is in listening to the ELH's explanation that wealth accumulates at a slower rate after Level 20. Even more importantly, that rate slowly down once more at Level 40 to the point where the growth per level stops entirely. Any other way, and you get lots of wealth problems VERY quickly. Using the following formula guarantees balance pretty much INFINITELY through the levels!
Here we go!
The formula itself is basically that, starting at Level 41, the increase in wealth is 1/Level. This means that the increase from Level 40 to Level 41 is 1/41, the increase from Level 41 to Level 42 is 1/42, etc. Basically, it's works as follows, where W is your new wealth, C is current wealth, and L is the level you are attaining. If you were going from Level 40 to Level 41, it goes like this:
W = C * [(L + 1) / L]
Looks complicated? That's what you think! After doing the calculations, I have been able to figure out the EXACT numbers that make this SO SIMPLE! First, I must point out that for all final calculation of wealth, I rounded to the nearest gold piece. (If you don't do that, it IS 100% exact and thus more accurate, but then you must contend with fractions of a gold piece. Rounding down, the loss of wealth is negligible and not at all a factor, like maybe 1 gold piece per 3 levels and that's about it.)
Do the math yourself if you'd like. Using the EXACT formula (without rounding), the gain at EVERY SINGLE LEVEL is EXACTLY 331,707.3171! That's right. EXACTLY THAT. You get this:
Level 41: 13,931,707.3171
Level 42: 14,263,414.6342
Level 43: 14,595,121.9513
It's that exact! Of course, those franctions complicate matters unnecessarily, and as I said, the losses from rounding are so miniscule that they aren't even a factor.
That said, simply put, a character gains 331,707 gp per level from Level 41 through inifnity! In this way, you still acquire more wealth, but the "gains" per level stop entirely, balancing everything out PERFECTLY!
Using the new formula, you get this through Level 60:
Code:
Level 41: 13,931,707
Level 42: 14,263,414
Level 43: 14,595,121
Level 44: 14,926,828
Level 45: 15,258,535
Level 46: 15,590,242
Level 47: 15,921,949
Level 48: 16,253,656
Level 49: 16,585,363
Level 50: 16,917,070
Level 51: 17,248,777
Level 52: 17,580,484
Level 53: 17,912,191
Level 54: 18,243,898
Level 55: 18,575,605
Level 56: 18,907,312
Level 57: 19,239,019
Level 58: 19,570,726
Level 59: 19,902,433
Level 60: 20,234,140A simple formula that can find the wealth at any level is as follows, where W is your wealth and L is the level you are attaining:
W = 13,600,000 + [331,707 * (L - 40)]
See? I did it! I found the perfect formula for wealth! Simple, easy to use, accurate, PERFECT!
ENJOY!
Whoops, one more thing. Wealth for NPCs, starting at Level 41, would be exactly half of the wealth for PCs. There! All problems solved!
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) Divine Abilities. Upper_Krust has not revealed an example, but they have to be pretty tough to deserve a +25. 
