Starting Wealth

How much money, or Wealth, does your character start with?

Your starting Wealth score is equal to: 5 + Wealth Bonus from Descriptive Background (+4 per Wealthy feat).


In game, characters receive gold, silver and copper coins, just as you would expect in a game that is trying hard to emulate D&D. However, game mechanics-wise all we do is record what their Wealth score is.

In case it is important, in-game currency names are: Gold Imperials (a solid gold coin), Silver Crowns (a silver coin with a hole in the middle) and Copper Blades (a small rectangle of copper).

Basics of Buying Stuff

Basically, to buy something a character just has to make a Wealth check (d20 + Wealth score) and compare it to the item’s purchase DC. Like many d20 rolls, you may take 10 or even 20 on this roll and others may assist you in purchasing an expensive item. You also automatically succeed if your Wealth score is higher than the purchase DC.

Whenever you buy something that has a higher purchase DC than your Wealth score, your Wealth score is decreased. This decrease is 1 point for every 5 numbers the Purchase DC is higher than your current Wealth score (eg. 1-5 higher = -1, 6-10 higher = -2, etc.). You also lose 1 from your Wealth score whenever you buy anything with a Purchase DC of 15 or higher.

Going Broke

The Wealth score is an abstract number used to simplify a whole segment of roleplaying. However, just like in less abstract methods of money, if your Wealth score drops to +0 you’re pretty much broke.

When you’re broke your purchasing power is heavily reduced, but it isn’t stopped completely. So what happens? The excellent, but dated, D20 Modern Roleplaying Game sums it up as follows: “Your Wealth bonus can never decrease to less than +0. If you Wealth bonus is +0, you don’t have the buying power to purchase any object or service that has a purchase DC of 10 or higher and you can’t take 10 or 20.”

Time and Shopping

Buying common items will usually take a number of minutes equal to the purchase DC (yes, it will take you 11 minutes to buy a sword). This time usage involves finding the item you want in a store, discussing the qualities of the item and a small amount of haggling with the person selling.

When purchasing less common items, the time taken is usually a number of hours equal to the purchase DC (so buying a masterwork sword will take you 16 hours). This time covers such things as finding if the item you want is even available for sale, haggling, etc.

Failing and Trying Again

If you fail a Wealth check, don’t worry! You can always try again.

Failure indicates that, for whatever reason, you didn’t proceed with a purchase (maybe you discovered that you’d left your coin purse back at the inn, or maybe the grumpy salesman wouldn’t shave that last silver crown off his asking price). You don’t have to reduce your Wealth score and you are free to try the purchase again… but you need to spend the time to do the shopping again (this shows that you are spending the time to find another seller, or you are trying to sweet talk the trader around to your terms).

BIG EXCEPTION TO THE ABOVE! However, when you are buying equipment during character creation, you can’t try to purchase the item again if you fail. In that case you would have to wait until the first game session to make that purchase.

Buying Multiples of Stuff

Buying multiple items can be a little complex with the Wealth system (as in, it isn’t as simple as just paying for a DC 1 item 5 times). Whenever you purchase multiple items that are the same you have to: take the base price (in silver pieces), multiply this by the number of items you wish to purchase and then convert it back into a purchase DC. Not simple, as I said.

Generally speaking, however, there are a couple of shortcuts you can take in calculating. If you are buying 2 of any item (let’s say daggers) you can simply add 3 to the purchase DC to get your new purchase DC. Every time you then double that amount (4 items, then 8 items, etc.) you can then add an extra 2 to the purchase difficulty.

Please note that the above shortcut does not necessarily work for particularly cheap items. If in doubt, please feel free to ask the GM.


For a complete listing of available weapons, please see Andrew.


For a complete listing of available armour, please see Andrew.


All characters start with one set of background specific clothing for free.

Extra sets of clothing can be purchased using the following table:

Clothing Size Cost Weight Notes
Caravaner Garb Small 8 1 lb. Brightly coloured.
Gladewarden Garb Small 8 1.5 lb. Sturdy.
Highlands Garb Medium 8 2 lb. Made for cold weather.
Small 8 1 lb. Made for cold weather.
Lakeman’s Garb Medium 8 2 lb.
Small 8 1 lb.
Plainsman Garb Medium 8 2 lb. Durable and practical.
Small 8 1 lb. Durable and practical.
Woodland Garb Medium 8 3 lb. Sturdy.
Small 8 1.5 lb. Sturdy.
Night Stalking Garb Medium 9 2 lb. Darkly coloured and easy to overlook.
Small 9 1 lb. Darkly coloured and easy to overlook.
Imperial Garb Medium 12 3 lb. Made from fine material.
Small 12 1.5 lb. Made from fine material.
Noble Garb Medium 15 3 lb. Made from very fine cloth.
Small 15 1.5 lb. Made from very fine cloth.

Written examples and descriptions of the above styles of clothing can be found here.

Other Equipment

Luckily, Andrew has compiled a list of equipment that is available for purchase. He might even let you see it. :D

Exotic Materials


Rise of the Warlock King AndrewHislop