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Message: <blockquote data-quote="delericho" data-source="post: 6926886" data-attributes="member: 22424">Strictly speaking, the WbL table shows the expected treasure a character of level X 'should' have found on their adventures, assuming 13.3 encounters of the appropriate EL and assuming average results on the random treasure tables.Using that value to equip new characters (especially new characters joining an existing group) can have... interesting results.But anyway...Yes, that would be the normal assumption. You should check with your DM both before and after doing so, to make sure he wants to put some restrictions or wants to okay your choices. In particular, it's common to place a limit on the amount can be spent on any single item.But, yes, it is expected that you'll use most of the money to buy magic items.</blockquote>