consolidated:economy:start
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consolidated:economy:start [2023/09/02 22:34] – removed - external edit (Unknown date) 127.0.0.1 | consolidated:economy:start [2023/12/31 11:43] (current) – [Player Characters] johnb | ||
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+ | ====== Economy ====== | ||
+ | All D&D based worlds have a fractured, and questionable economy. | ||
+ | |||
+ | ===== The Copper Economy ===== | ||
+ | |||
+ | Copper pieces are the everyday currency of Commoners and equates to the Poor cost of living category. | ||
+ | |||
+ | This doesn' | ||
+ | |||
+ | //Poor (3 gp/month): The PC lives in common rooms of taverns, with his parents, or in some other communal situation—this is the lifestyle of most untrained laborers and commoners. He need not track purchases of meals or taxes that cost 1 sp or less.// | ||
+ | |||
+ | Many commoners are unskilled, in that they don't have skill ranks in Craft or Professional skills, and work as labourers or, in similar occupations. They dig fields, fetch things, load ships, work in a stable, do laundry, serve in a bar, wash up in a restaurant or perform similar basic tasks. | ||
+ | |||
+ | Some commoners do have useful skills, or some other training that, opens up semi-skilled jobs and generates a slightly higher income - perhaps an extra gold or two per month. This might come from regular 'work experience' | ||
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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. | ||
+ | |||
+ | //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.// | ||
+ | |||
+ | 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. | ||
+ | |||
+ | 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. | ||
+ | |||
+ | They provide the basic structure, support and organization that the world needs and, overall, they live a fairly comfortable life. | ||
+ | |||
+ | ===== The Gold Economy ===== | ||
+ | |||
+ | Characters in this category think in Gold Pieces, although their ability to spend, and the items they have available varies. | ||
+ | |||
+ | //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.// | ||
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+ | Again this varies, the [[https:// | ||
+ | |||
+ | |||
+ | ==== Player Characters ==== | ||
+ | |||
+ | PCs tend to think in Gold Pieces, they get their initial wealth in GP, and when they start adventuring they gather loot in Gold Pieces - a handful of Silvers generally means nothing to them. While they don't have a lot of influence to start with, they gain influence as they progress, and by fifth or sixth level are generally as wealthy as most aristocrats and could have a minor title or a business of their own - although their wealth is often found in equipment, rather than businesses or land. By tenth level, many PCs are as wealthy as aristocrats and may have lands or estates that cement their status. | ||
+ | |||
+ | ==== Aristocrats ==== | ||
+ | |||
+ | These guys have both money and influence at a local level, although they may seem somewhat parochial to the Nobles. | ||
+ | |||
+ | These are the people who make sure that the world works properly. | ||
+ | |||
+ | * The Town Mayor. | ||
+ | * Military Officer. | ||
+ | * Abbot of the local temple / Monastery. | ||
+ | * The Local Squire - who ' | ||
+ | * A successful business person. | ||
+ | * Dwarf Clan-holder. | ||
+ | * The Sleazy Landlord - who rents housing to the working classes. | ||
+ | * A Local Crime Lord. | ||
+ | * A Powerful Wizard who everyone is in awe of. | ||
+ | * The Headmaster of the local college, Guild Head, Military Officer, senior Lawyer etc etc ... | ||
+ | |||
+ | The possibilities are endless, and not always obvious. | ||
+ | |||
+ | Note: While it is seen as inappropriate today - historically (and in my fantasy worlds) wealthy and influential people are expected to use their positions and influence to improve their own wealth and influence - and to do the same for family members. | ||
+ | |||
+ | ==== The Really Wealthy ==== | ||
+ | |||
+ | This is when things get a bit silly, and we reach the Extravagant standard of living. | ||
+ | |||
+ | // | ||
+ | |||
+ | ==== Nobles ==== | ||
+ | |||
+ | The wealth and influence of nobles vary dramatically - but they probably have a noble estate, or even a palace, as their main home and may well have other homes spread around the country. | ||
+ | |||
+ | They have significant local influence, and can often influence decision at a regional or national level. | ||
+ | |||
+ | ==== Royalty ==== | ||
+ | |||
+ | Lesser royalty often have the same sort of wealth and influence as Nobles. |