Wealth

Every character has a Wealth bonus that reflects his or her buying power. A composite of income, credit rating, and savings. A character’s Wealth bonus serves as the basis of the character’s Wealth check, which is used to purchase equipment and services for the character.

Wealth Bonus

To determine a character’s starting Wealth bonus, roll 2d4 and add the wealth bonus for the character’s starting occupation, plus (if appropriate) the bonus from the Windfall feat, plus 1 if the character has ranks in Profession.
Over the course of play, the hero’s Wealth bonus will decrease as the hero purchases expensive items and increase as the GM tells the characters to make wealth checks.
A character’s Wealth bonus can never fall below +0, and there is no limit to how high the Wealth bonus can climb.
Since Wealth is an abstract concept, it’s sometimes difficult to determine how financially well off a character is. To get a general sense of how financially solvent a character is at any given time, check the table below.

Wealth Bonus Financial Condition
+0 Impoverished or in debt
+1 to +4 Struggling
+5 to +10 Middle class
+11 to +15 Affluent
+16 to +20 Wealthy
+21 to +30, Rich
+31 or higher Very rich

Purchasing Equipment

Wealth checks are used to determine what characters can afford and what gear they might reasonably have access to purchase. Every character has a Wealth bonus that reflects his or her buying power. Every object and service has a purchase DC. To purchase an object, make a Wealth check against the purchase DC, except, the player uses d6’s instead of a d20.

Purchasing Multiple of the Same Thing at the Same Time

A Character may purchase most items multiple times. The number of items allowed per time shopping is relative to the base purchase DC. If the PDC is over 15, the normal rules apply. If the PDC is under 10, the character may buy multiple for the same time frame at an increase to the PDC of one for every item you add to the purchase without adding to the time. If the PDC is between 9 and 15, 2 is added to the PDC of the base item for every item added to the purchase without increasing the time to make the buy.*

*It is understood that this system does not reflect reality, but it does bring a simple balance to an already complex system.

The Wealth Check

The Wealth bonus is fluid. It in¬creases as a character gains Wealth and decreases as the character makes purchases. A Wealth check is Xd6’s roll plus a character’s current Wealth bonus. The number of d6’s used is determined by how much the player wishes to risk verses the cost of the item. For every d6 used the character looses one point of wealth if the check is successful.
Example one: If the item desired is 3 points above a characters current wealth bonus, he may choose to roll a d6 and add his current wealth bonus. If the roll results in 3 or higher the item is purchased and the character looses one point in addition to any other losses that may need to be accounted for. If the roll is one or two, then the character was not able to purchase the item, and no wealth is lost.
Example two: If the item desired is 11 points above a characters current wealth bonus, he may choose to roll 2d6 and add his current wealth bonus. Since the roll is unlikely to succeed, the player may choose to add an additional d6, now 3d6. This means that the character chances to lose 3 wealth, but is more likely to succeed. If the roll results in 11 or higher the item is purchased and the character looses 3 points in addition to any other losses that may need to be accounted for. If the roll is less than 11, then the character was not able to purchase the item, and no wealth is lost.
If the character succeeds on the Wealth check, the character gains the object. If the character fails, he or she can’t afford the object at the time.
If the character’s current Wealth bonus is equal to or greater than the DC, the character automatically succeeds.

Wealth and the Starting Hero

A newly created 1st-level character’s Wealth bonus is +0 plus:
• Wealth provided by the character’s starting occupation.
• Bonus from the Windfall feat, if taken.
• 2d4 die roll.
• +1 for having 1 to 4 ranks in the Profession skill.
• +1d6 starting wealth from the “Heir” Occupation if the player sacrifices one point of in game Wealth

Shopping and Time

Buying less common objects generally takes a number of hours equal to the purchase DC of the object or service. In the case of being on the TPE Water Mark, this reflects the time needed to locate the wanted materials, wait for your request to begin fabrication, wait for the fabrication to complete, and close the deal. Getting a license or buying an object with a restriction rating increases the time needed to make purchases. If a character wishes to have her items faster, she may be able to arrange it (player will need to discuss this with the GM).

Taking 10 and Taking 20 (in this game, taking the average or the maximum)

A character can usually average out or max out all d6’s when making a Wealth check provided that the character has enough time to make the purchase normally (is not in a rush).
Maxing the d6 requires 20 times as long as normal.

Spending Beyond Your Means

Also, there is a penalty for spending beyond a character’s means. Whenever a character buys an object that has a purchase DC higher than his or her current Wealth bonus, the character’s Wealth bonus decreases (see below). If the potential decrease would bring a character below 0 wealth, she cannot purchase the item at the time.

Try Again?

A character can try again if he or she fails a Wealth check, but not until the character has spent an additional number of hours shopping equal to the purchase DC of the object or service.

Aid Another

A player may aid another in a wealth check to purchase an item if you can succeed in a check that is ¾ off the total price of the item. If successful, she grants the character attempting the purchase a +2 to their bonus. She also takes a hit according to how much she risked and other penalties, as though she bought an item worth the modified DC.

Losing Wealth

Object or Service Purchase DC Wealth Bonus Decrease
Item costs 15 or more 11
Every 10 points past 15 an item costs -1 point per 101
Every d6 you use to purchase an item -1 point per d6
Every 50% a purchase DC is over the character’s Wealth2 -1 per 50% over
Every person helping you buy an item3 +2 point per person
Buying through the black market -1 for every 10 points the item costs1
1 – This stacks with the loss from a Purchase DC above the character’s current wealth bonus
2 – This does not count for the first 30%
3 – This is only for the time it takes to make the given purchase

A character’s Wealth bonus only goes down if he or she successfully buys an object or service. If the character attempts to buy something and the check fails, his or her Wealth bonus is unaffected.

Wealth Bonus of +0

A character’s Wealth bonus can never decrease to less than +0. If a character’s Wealth bonus is +0, the character doesn’t have the buying power to purchase any object or service that has a purchase DC of 10 or higher, and can’t take 10 or take 20. Also, it always takes a number of hours equal to the purchase DC of the object or service.

Regaining Wealth

A character’s Wealth bonus recovers as the character advances.
When ever the GM deems it, characters make Profession checks. (If the character has no ranks in the skill, this check is a Wisdom check.) The DC is equal to the character’s current Wealth bonus. If the character succeeds, his or her current Wealth bonus increases by +1 plus an additional +1 for every 5 over the DC she rolls. If the character fails, then the she does not gain more wealth.

Back

Wealth

The Lost PhillipCash