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--- consolidated:campaignsystem:economy [2026/04/06 13:01] – [The Silver Economy] johnb
+++ consolidated:campaignsystem:economy [2026/04/06 13:29] (current) – [The Gold Economy] johnb
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   * A short sword costs 10 gp - I just brought a second hand, reenacting, Hangar (a 17C short sword)  at 'mates rates' for £100 -  I just found new Hangars for sale online at £200 each (or £240 if I wanted them sharp).
-The definitions that follow, are flexible, and the examples given are the midline of that part of the economy.  Think of each category as a Bell Curve, and the example is the mid-point of the curve -  some people, who fit that category, will earn more, other less.   If your game world needs a wealthy commoner or an impoverished noble -  write one. These are just my baseline for NPCs without their own character sheet -  or approximately 99.99% of the population  :)
+The definitions are based on the 'Cost of Living' expenses, fron the Path Finer rules -  however, I have expanded and recategorized them slightly.  Think of each category of the economy as a Bell Curve, and the examples describe points towards the middle of the curve - some people, who fit that category, will earn more, other less.   If your game world needs a wealthy commoner or an impoverished noble -  write one. In my world, NPCs without a specific Character Sheet (approximately 99.99% of the population)  fit these categories.  So do lazy PCs who don't want to spend money, or get involved with the world.  :)
 ===== The Copper Economy =====
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 ===== The Silver Economy =====
-Most NPC classes, and lower level PCs, fit into the silver economy - which equates to the Average cost of living category.  NPCs probably have one or two useful skills, work in the businesses and organizations that make the world work.  Small businesses are run by Experts, the local guard is mainly composed of Warriors and, local chapels is run by an Adept-3.  Local hunters might be experts or warriors, the Town Clerk is probably an expert, and the local wise-woman is might be an adept-2.  However, The Silver Economy also includes a few commoners, who have managed to gain a level and some extra skill points, and a few low-level PC classes, with lowish stats and little ambition.
+Most NPC classes, and lower level PCs, fit into the silver economy - which equates to the Average cost of living category.  NPCs probably have one or two useful skills, work in the businesses and organizations that make the world work.  Small businesses are run by Experts, the local guard is mainly composed of Warriors and the local chapel is run by an Adept-3.  Local hunters might be experts or warriors, the Town Clerk is probably an expert, and the local wise-woman is might be an adept-2.  However, The Silver Economy also includes a few commoners, who have managed to gain a level and some extra skill points, and a few low-level PC classes, with lowish stats and little ambition.
 Some first level characters might just creep into this category, the average is third level, while a few higher level experts and aristocrats might be moving towards the Gold Economy.
-//Average (10 gp/month: The PC lives in his own apartment, small house, or similar location—this is the lifestyle of most trained or skilled experts or warriors. He can secure any nonmagical item worth 1 gp or less from his home in 1d10 minutes, and need not track purchases of common meals or taxes that cost 1gp or less.//
+//Average (10 gp/month): The PC lives in his own rooms, small house, or similar location—this is the lifestyle of most trained or skilled experts or warriors. He can secure any nonmagical item worth 1 gp or less from his home in 1d10 minutes, and need not track purchases of common meals or taxes that cost 1gp or less.//
-This is an average, and is about 3sp per day, however, some people will earn less, others more.  A very few will earn significantly more, perhaps putting them up to 20 or 30gp per month.
+This is about 3sp per day and represents the average income of someone at the lower end of their profession. However, some people (such as Master Crafters and Junior Officers) will earn significantly more, perhaps putting them up to 30gp per month.
+//Wealthy (30gp/month): The PC has a sizable home or a nice suite of rooms in an inn. He can secure any nonmagical item worth 3 gp or less from his belongings in his home in 1d10 minutes, and need only track purchases of good meals or taxes in excess of 5 gp.//
-|Wealthy \\ 30gp/month|  4000gp  |The PC has a sizable home or a nice suite of rooms in a fine inn. He can secure any nonmagical item worth 5 gp or less from his belongings in his home in 1d10 minutes, and need only track purchases of meals or taxes in excess of 10 gp.|
 Day to day transactions can be counted in either silver or copper pieces -  so better food, better clothes and a better living standard all around. There are, as always, a few more expensive items, although they rarely exceed 10gp in values.   However, many people in this part of the economy will have access to better, and more expensive, tools and equipment while they are at work.  For example, an apprentice smith might have access to masterwork tools and anvil at work, but only have a few small hammers to work with a home.  A town guard might pick up a chain shirt and crossbow when she gets into work -  although her 'personal' armoury might just be Padded Armour, Small Wooden Shield, Dagger and Spear.
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 Characters in this category think in Gold Pieces, although their ability to spend, and the items they have available varies.  For the vast majority, this is the Wealthy Standard of living.
-//Wealthy (100 gp/month): The PC has a sizable home or a nice suite of rooms in a fine inn. He can secure any nonmagical item worth 5 gp or less from his belongings in his home in 1d10 minutes, and need only track purchases of meals or taxes in excess of 10 gp.//
+//Rich (100 gp/month): The PC has a sizable home or a nice suite of rooms in a fine inn. He can secure any nonmagical item worth 5 gp or less from his belongings in his home in 1d10 minutes, and need only track purchases of good meals or taxes in excess of 10 gp.//
 Again this varies, the [[https://www.d20pfsrd.com/gamemastering/other-rules/downtime/managers/|Downtime Managers Page]] lists managers earning from 2gp per day  (60gp/month)  to 5gp per day  (150gp/month)