Wealth Ability Rules

The wealth score is an abstraction of your character's buying power, it includes in game currency, liquidable assets, people who owe you favors, regular income. Your character is proficient in the use of wealth and with wealth saving throws. Your wealth score does not include items specified on your character sheet.

Starting Wealth

A character's starting wealth will be determined by their background, plus a modifier determined by their class, and finally their intelligence modifier or charisma modifier whichever is higher.

Background Starting Wealth

Background Starting Wealth Acolyte 5 Charlatan 5 Criminal 5 Entertainer 5 Folk Hero 4 Guild Artisan 5 Hermit 3 Noble 6 Outlander 4 Sage 4 Sailor 4 Soldier 4 Urchin 3

Class Wealth Modifiers

Class Wealth Modifier Barbarian -1 Bard +1 Cleric +1 Druid -1 Fighter +1 Monk -2 Paladin +1 Ranger +1 Rogue +0 Sorcerer +0 Warlock +0 Wizard +0

Gaining Wealth

A character can increase their wealth score by completing quests and adventures, selling items, or even living below their means for extended periods of time. To increase your wealth you will have to succeed on a wealth check based on the general value of the reward received.

When a character obtains wealth from generic rewards, items from encounters or sells a specified item. The player will compare the wealth level of the item to their current wealth level. If the level of the item is more than the wealth level of the character the player will increase the character's wealth by the difference in wealth level. If, however, the item's level is at or below the level of the character the player will roll a wealth check against DC 10 plus two for the difference between the level of the item and the character.

DC 10 + 2 x ( character wealth level - item wealth level)

Rewards

Often adventurers are offered payment or reward for completing tasks, quests, and adventures. These rewards should be offered as each player receiving an individual reward of a specified wealth level.

Encounters

After an encounter the adventurers will often ask what they can loot off the bodies of the enemies. The DM should set a wealth value of the highest enemy defeated. Items are available to characters that succeed on an investigation check.