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wealth

WHAT WEALTH REPRESENTS

Wealth is an abstract score that reflects:

  • Income

  • Savings

  • Credit

  • Assets

  • Social and institutional access

It is not liquid cash. It’s your ability to acquire things without stress.

Your Wealth score typically ranges from 0 to 20+.
 

starting wealth

 

Step 1: Rolling for Start

 

Roll 2d4, this is your base Wealth.


Step 2: Ability Modifier

Add your Charisma modifier to your starting Wealth.

  • High Charisma reflects negotiation, reputation, and credit

  • Negative Charisma hurts your access to capital

Minimum starting Wealth is 4, even if penalties apply.


Step 3: Background

Add your Background Wealth Bonus.

​

Example

Rolled 2d4=               5

Charisma of 15=     +2

Student=                  +1

 

Staring Wealth =   8

PURCHASE DIFFICULTY (PD)

Instead of prices, items have a Purchase Difficulty (PD).
 

PD         Item Examples

 5           Meals, ammo, bus fare

 8           Tools, basic weapons

10          Handgun, laptop

12           Rifle, tactical vest

15           Military gear, vehicles

18           Heavy weapons, rare tech

20+        Black-site hardware
 

making a purchase

When buying an item:


Roll: 1d20 + Wealth

  • If result ≥ PD → you acquire it

  • If result < PD → you can’t get it right now

Easy Purchases

If your Wealth ≥ PD + 5, you automatically succeed.

gaining wealth
Wealth increases slowly, on purpose.
 

You gain Wealth from:

  • Completing contracts or missions

  • Securing salaries or stipends

  • Selling valuable assets

  • Major favors, promotions, or media exposure
     

Wealth Gain Guidelines

Event                                       Wealth Increase

Minor payday                       +0 (covers expenses)

Solid job or score            +1

Major contract                +2

Long-term promotion    +3

Windfall                                +4 (rare)
 

Wealth should increase less often than levels.

wealth loss

Big purchases hurt your finances.
 

If the item’s PD exceeds your Wealth, you lose 1 Wealth after the purchase.

If the PD exceeds your Wealth by 5 or more, you lose 2 Wealth.

Small purchases never reduce Wealth.

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LOSING WEALTH (ONGOING)

You can lose Wealth due to:

  • Legal trouble

  • Debt

  • Asset seizure

  • Public disgrace

  • Extended unemployment

  • Maintaining a lifestyle you can’t afford

Lifestyle overreach is the most common culprit.

WEALTH & LIFESTYLE

Your Wealth determines how you live between missions.
 

Wealth          Lifestyle

0–5                  Struggling

6–8                 Modest
9–11                 Comfortable
12–14               Affluent

15–17               Wealthy

18+                  Elite

 

Lifestyle Effects


Struggling

  • Disadvantage on social checks in upscale areas

  • Equipment maintenance issues


Modest

  • No penalties

  • Limited access to restricted markets


Comfortable

  • Advantage on lifestyle-related Persuasion checks

  • Stable housing, vehicle access


Affluent

  • Minor legal problems disappear

  • Can maintain expensive gear


Wealthy

  • Private services, lawyers, specialists

  • Advantage on influence checks with institutions


Elite

  • Invitations, immunity, leverage

  • You can acquire rare items with fewer checks


Lifestyle does not directly affect combat, but it shapes the world’s response to you.
 

OPTIONAL RULE: MAINTENANCE COSTS
 

At the end of each month:

  • If your lifestyle tier exceeds your Wealth by 2 or more → lose 1 Wealth

  • If you live below your Wealth → advantage on next Wealth roll
     

Living humbly builds reserves. Living loud burns them 🔥

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