One of my central design criteria for Crossroads is that Levels belong to the Player, not necessarily the character.  This let’s longer tenured players play higher level characters. As an example, Ihinka played one character at 3rd Level, a different character at 4th (Yuan-Ti fighter) and is already planning to run a Centaur Twilight Cleric at 5th.<br/><br/>This means that everything (gold, magic, Downtime) needs to be tied to Level. Downtime is a bit tricky in that some activities earn money (practicing an occupation, gambling, thieving), while other occupations (e.g., crafting, scribing scrolls) cost gold.  Additionally, Downtime itself is supposed to be a limited resource (e.g., WotC Adventurer’s guild grants 60 days/adventure).<br/><br/>My plan right now is to associate a flat amount of Gold with each level. I will maintain a list of ‘purchasable’ item, which would include both magic and Other downtime activities (e.g., learning skills, crafting scrolls). As players ask for items, I’ll set an initial value.  Based on experience and feedback from other GMs, I’ll adjust values up and down.<br/><br/><div class="quoteheader"><div class="topslice_quote"><a href="https://elliquiy.com/forums/index.php?topic=341126.msg16149856#msg16149856">Quote from: ihinka on 03-04-2022, 10:59:47</a></div></div><blockquote class="bbc_standard_quote">Short answer. The 500 gp is for non-magical items and equipment only.<br/><br/>I'll leave the long answer to Red, as I believe he's still working out how to deal with treasure/magic items and wealth for characters during and out of adventures.<br/></blockquote><div class="quotefooter"><div class="botslice_quote"></div></div>