@players, I want to chat a bit OOC about treasure before I had Prime respond IC.<br/><br/>TL;DR I have not fully fleshed out how treasure will work in the world (read below), but be aware that despite what Prime says, the character gold/magic will be tied to their level.<br/><br/>There is an Appendix in XGtE on Shared Worlds.  It is loosely based on WotC’s Adventurer’s League.  The core if is that a character’s lifestyle, gold and treasure is based on their level, and the characters level up based on Milestones (hours of play in the appendix) or adventures here in Crossroads.<br/><br/>This system removes any differences between GMs and adventures. I like it, because it gives the player the opportunity to rebuild a character between adventures. This will be particularly apt because the equipment and skills needed may vary by adventure.<br/><br/>A couple of twists.  First, I have found the DnD ratings for magic (e.g., uncommon, rare) are pretty broken.  I’m going to start with a relatively small list of magic items and add things based on player requests.  Second, I’m going to probably use a system based on Sane Magic Prices to establish relative value.  Third, I’m going to set the Magic Budgets as relatively low .  This will allow GMs to increase them as appropriate for their world/adventure.<br/><br/>An example, a character has a budget (gold and magic) for each level. For example, 4th level has budget of 1,000 magical points.  The GM may announce a bonus for a particular adventure - e..g, magic is relatively common in this world, +500 magic points.  So, a 4th level character adventuring with this GM would have a budget of 1,500 magical points to spend.<br/><br/>I still have not figured out how the following will fit into the world 1) Consumable Magic (Potions and Scrolls), 2) Wizards copying spells, 3) Downtime training for Skills/Tools.