D&D 5E What could 5E do to make wealth worthwhile?

D20 Modern had a wealth check system which I've taken inspiration from for my D&D games over the last 10-15 years. Right now, I'd have to find it on my hard drive because it's been so long since we needed to reference it. It's just an abstract way to deal with money when we need to solve problems or make purchases without all the pencil pushing.
From memory it was a good system, you didn't even bother rolling for incidental stuff and you maybe dropped a rank if you had to make a big purchase which differed depending on your wealth rank.
 

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Note: This includes 5E 2024.

It is pretty well agreed upon that monetary treasure and wealth does not have much use in 5E (especially compared to 3.x era games). So what could 5E do to make money matter? What would you like to see? What things could help motivate the going into the holes and killing the monsters and taking their stuff?
Strongholds, training, carousing, public works, donations and tithes, magic items, hirelings. The list goes on.
 

One of my players seems to have adopted gold to equal more information. Walk into a bar- buy everyone a drink and ask questions on the local bandits. Buy a wagon of food for the local orphanage- ask questions about the local sewers and how to get into the castle.

Another players seems to have gotten into bastion building and has made lists of supplies they need and where to send wagons to gather supplies. I could make a quest of sending the henchmen to buy roof tar and he would play that.

I could see a base price package on some spending. How much to buy a simple house? What about fix one up? How about an Inn or tavern?
Bribes are another great way to part PCs from their money.
 

Nothing. What they get and what things cost are completely in the GMs control.
The same could be said for everything in the game outside of their provided character features (that too, possibly)- but there are systems and guidance for other aspects of the game, less so for "what to do with loot." I'll say that 5e24, in providing Bastions, has given additional goldsinks beyond what Xanathar's provided.
 

Strongholds, training, carousing, public works, donations and tithes, magic items, hirelings. The list goes on.
DCC carousing tables are glorious for this- if you use XP, players can even get XP for their hard-won and easily-lost gold during carousing table rolls. Or features, other short-term benefits, etc.
 


Depends on type of campaign and type of players.

In casual h&s game, unless they can buy stuff that directly impacts their character performance, most players don't bother with other money sinks, cause it doesn't add anything to their play.

In my personal experience, beyond level 3-4, gold is superfluous, unless players decide to invest it for role play reasons. Once you get best mundane gear and magic one is off the table, might as well drop it from treasure loots. TBH might as well drop anything that isn't magic gear.

And as someone said, going simcity mode can be double edged sword. It can be fun downtime activity for players to spend money. Or they can go all in into it and spend most of ingame time building and tending to their castle/village/whatever, so much, that they forgo adventuring.
 

"Give out less" isn't really a good solution if you want to incentivize PCs going for that big score (whether a heist or a dungeon crawl).

Buying titles is a real thing that the PCs might care about, now that I think of it.
"buying" titles is usually a free bonus for your quests.

if someone gives me a choice to buy a +1 sword or some (useless)title, I'll take the sword. you can always count on a better sword.
 

D&D5e shouldn't make wealth more worthwhile.

The conscious design decision was made to limit characters to 3 attuned magic items, that only leaves a few non-attuned items as useful for characters. So beyond that and bags of holding with a few hundred potions in them, money on personal power can't really be spend. And while I like this less then in the flexibility it gave in 3e, it gives a very good lesson! Beyond a certain level, wealth is useless for personal power or personal health. A real world ace mercenary can only spend so much on equipment, a tech baron can't spend his money to become immortal. They do spend it on other stuff...

The same goes for PCs, what's your motivation for adventuring? Paying off debt is possible, but imho a very uninteresting motivation, almost a cop-out. The classic tropes include for fame AND fortune, to retire early and live a very comfortable long life. Others adventure for personal power, be that a powerful artifact or become a Lich, etc. None of those things are just bought with personal wealth... Also keep in mind that there's an economy in place...

From our 5e campaign we found some very expensive stuff, and started buying oodles of potions, even in a big place like Neverwinter. Eventually stock will run dry, making new stuff will take time, there's a limited amount of people that can make it, and if there's more demand then supply, prices will go up. Other adventurers will NOT like that either!

Other things, buy a home and/or base, fill your library, buy transportation options, hire staff, etc. You can use money to get/maintain contacts. Pay taxes, pay your church, and if the dice are with you for a session, you need to gift a LOT to the goddess of luck! Just to sure... ;) If you're more socially inclined, do some good works, like building a school and running one for free, buying up the slums and lowering rent. Importing food cheaply, provide healthcare, upgrading the sewers and the aqueduct.

Also keep in mind that wealth can be stolen, unless your lugging your 100k gp in four bags of holding... I call that a moving target by the way... ;)

As for comments about 'simcity' mode. General rp stuff can be done in game and absolutely depends on the players/dm. Most of the detail stuff can and should be done between games. We bought a home and paid people to renovate it to our specs, the home schematics were done outside of the game by the players with final DM approvement. This is not new, we did this in 2e, 3e, and now 5e for decades, including in other games...
 


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