d20 modern wealth system

tussock wrote:
> Shawn Roske wrote:
>> I plan to port the d20 modern wealth system for use in D&D. Does
>> anyone have a link to someone who has already done the work and
>> created DCs for the D&D equipment lists? Thanks.
>
> Your real liquid wealth is about equal to wealth bonus +13, things
> purchased above that are largely on credit (to around 90% with take-20).
> A character with Wealth +7 thus has $2000 in his pocket, but can get a
> $15000 item. In DnD terms that means a 1st level character can soon save
> up and buy a +1 sword on "credit".
>
> If you don't like the effect of modern credit in the game, you can
> limit characters to purchases of wealth+15 and keep things right enough.
>
> Either way, divinding the dollar values on the wealth table by 10
> works well enough IMO, so 50gp at +15. Starting characters get +N wealth
> bonus by their Nd4x10 gp (Brb +4, etc), and all remaining treasures and
> rewards are sold back into the wealth table as normal.
>
> In case you don't have the d20Modern book ...
>
> +10 12gp
> +11 15gp
> +12 20gp
> +13 27.5gp
> +14 35gp
> +15 50gp
> +16 65gp
> +17 90gp
> *+8 x10
>

I almost understand, but you've lost me a bit in considering the DCs of
equipment. What would be the DC of a warhorse, for example?

What happens when a party finds a treasure chest as containing 1500gp?
What does that do to all the character's wealth bonus?

When I thought about it some more I realized that the issue is credit
and d20M wealth bonus is trying to simulate credit. Whether it is
appropriate to have an abstract credit system in a D&D game is something
I need to put more thought in.

I have been running on the assumption that I could simply switch coin
accounting for a single roll. However, it isn't as easy as I thought.
 >> Stay informed about: d20 modern wealth system 

Shawn Roske wrote:
> tussock wrote:
>> Shawn Roske wrote:
>>> I plan to port the d20 modern wealth system for use in D&D. Does
>>> anyone have a link to someone who has already done the work and
>>> created DCs for the D&D equipment lists? Thanks.
>>
>> Your real liquid wealth is about equal to wealth bonus +13, things
>> purchased above that are largely on credit (to around 90% with
>> take-20). A character with Wealth +7 thus has $2000 in his pocket, but
>> can get a $15000 item. In DnD terms that means a 1st level character
>> can soon save up and buy a +1 sword on "credit".
>>
>> If you don't like the effect of modern credit in the game, you can
>> limit characters to purchases of wealth+15 and keep things right enough.
>>
>> Either way, divinding the dollar values on the wealth table by 10
>> works well enough IMO, so 50gp at +15. Starting characters get +N
>> wealth bonus by their Nd4x10 gp (Brb +4, etc), and all remaining
>> treasures and rewards are sold back into the wealth table as normal.
>>
>> In case you don't have the d20Modern book ...
>>
>> +10 12gp
>> +11 15gp
>> +12 20gp
>> +13 27.5gp
>> +14 35gp
>> +15 50gp
>> +16 65gp
>> +17 90gp
>> *+8 x10
>
> I almost understand, but you've lost me a bit in considering the DCs of
> equipment. What would be the DC of a warhorse, for example?

400gp => DC 23. 40gp fits under DC 15, and x10 is +8. Those plusses
should be DCs, sorry about that.

> What happens when a party finds a treasure chest as containing 1500gp?
> What does that do to all the character's wealth bonus?

The d20 modern book actually abstracts that to a flat wealth bonus
by EL as default, to represent the debt burden on the poor and leverage
of the wealthy.

However, it seems a common house-rule to treat the coin found as a
single abstract treasure. It works out to about DC = average EL + 12
(plus 1 per encounter, max +6) for each character. Only count the ones
that give full coin, +1 for double coin, -1 for not finding a cache, and
just basically winging it from there.
If there's more than about 8 lots of coin, start on another reward.
Only finding 1 treasure or facing EL 1 stuff should be knocked back -1
each for accuracy if you want.

Other items have to be liquidated independantly, but gems and art
can just be handwaved into another abstract lot of treasure with the
same rough method.

> When I thought about it some more I realized that the issue is credit
> and d20M wealth bonus is trying to simulate credit. Whether it is
> appropriate to have an abstract credit system in a D&D game is something
> I need to put more thought in.

d20Future (post-apocalypse) says when you don't have credit
available it should represent stuff like giving information, valuable
baubles, and using a great deal of patience and bartering trying to find
it in the hands of someone who doesn't really want it any more.
In the medieval world it could represent taking something from the
guild vault or your liege and owing them service debts as a result,
skimping on your taxes and tithes for a while, or whatever.

Buying stuff with take-20 takes about 2.5 days per point of DC, so
it does represent a lot of dedicated work to get hold of the item.
Selling stuff takes the same time, by the FAQ recommendation, though the
time thing doesn't apply to "everyday" items (unless dead broke).

> I have been running on the assumption that I could simply switch coin
> accounting for a single roll. However, it isn't as easy as I thought.

It depends how far into the abstraction you get; you have to give
up on trying to account for every little treasure and expense, once you
get into folding a whole adventure into a couple of approximate
"treasure" DCs to sell it's all good.

--
tussock

Aspie at work, sorry in advance.
 >> Stay informed about: d20 modern wealth system 

tussock wrote:
> Shawn Roske wrote:
>> tussock wrote:
>>> Shawn Roske wrote:
>>>> I plan to port the d20 modern wealth system for use in D&D. Does
>>>> anyone have a link to someone who has already done the work and
>>>> created DCs for the D&D equipment lists? Thanks.
>>>
>>> Your real liquid wealth is about equal to wealth bonus +13,
>>> things purchased above that are largely on credit (to around 90% with
>>> take-20). A character with Wealth +7 thus has $2000 in his pocket,
>>> but can get a $15000 item. In DnD terms that means a 1st level
>>> character can soon save up and buy a +1 sword on "credit".
>>>
>>> If you don't like the effect of modern credit in the game, you
>>> can limit characters to purchases of wealth+15 and keep things right
>>> enough.
>>>
>>> Either way, divinding the dollar values on the wealth table by 10
>>> works well enough IMO, so 50gp at +15. Starting characters get +N
>>> wealth bonus by their Nd4x10 gp (Brb +4, etc), and all remaining
>>> treasures and rewards are sold back into the wealth table as normal.
>>>
>>> In case you don't have the d20Modern book ...
>>>
>>> +10 12gp
>>> +11 15gp
>>> +12 20gp
>>> +13 27.5gp
>>> +14 35gp
>>> +15 50gp
>>> +16 65gp
>>> +17 90gp
>>> *+8 x10
>>
>> I almost understand, but you've lost me a bit in considering the DCs
>> of equipment. What would be the DC of a warhorse, for example?
>
> 400gp => DC 23. 40gp fits under DC 15, and x10 is +8. Those plusses
> should be DCs, sorry about that.
>
>> What happens when a party finds a treasure chest as containing 1500gp?
>> What does that do to all the character's wealth bonus?
>
> The d20 modern book actually abstracts that to a flat wealth bonus
> by EL as default, to represent the debt burden on the poor and leverage
> of the wealthy.
>
> However, it seems a common house-rule to treat the coin found as a
> single abstract treasure. It works out to about DC = average EL + 12
> (plus 1 per encounter, max +6) for each character. Only count the ones
> that give full coin, +1 for double coin, -1 for not finding a cache, and
> just basically winging it from there.
> If there's more than about 8 lots of coin, start on another reward.
> Only finding 1 treasure or facing EL 1 stuff should be knocked back -1
> each for accuracy if you want.
>
> Other items have to be liquidated independantly, but gems and art
> can just be handwaved into another abstract lot of treasure with the
> same rough method.
>
>> When I thought about it some more I realized that the issue is credit
>> and d20M wealth bonus is trying to simulate credit. Whether it is
>> appropriate to have an abstract credit system in a D&D game is
>> something I need to put more thought in.
>
> d20Future (post-apocalypse) says when you don't have credit
> available it should represent stuff like giving information, valuable
> baubles, and using a great deal of patience and bartering trying to find
> it in the hands of someone who doesn't really want it any more.
> In the medieval world it could represent taking something from the
> guild vault or your liege and owing them service debts as a result,
> skimping on your taxes and tithes for a while, or whatever.
>
> Buying stuff with take-20 takes about 2.5 days per point of DC, so
> it does represent a lot of dedicated work to get hold of the item.
> Selling stuff takes the same time, by the FAQ recommendation, though the
> time thing doesn't apply to "everyday" items (unless dead broke).
>
>> I have been running on the assumption that I could simply switch coin
>> accounting for a single roll. However, it isn't as easy as I thought.
>
> It depends how far into the abstraction you get; you have to give up
> on trying to account for every little treasure and expense, once you get
> into folding a whole adventure into a couple of approximate "treasure"
> DCs to sell it's all good.
>

great. saved copy for chewing on later. thx mucho!!!
 >> Stay informed about: d20 modern wealth system