![]() If your character dies you can withdraw your cash with another character. No, I do not actually use it for my own finances. ![]() It's reliable and gives you a steady 2% p.a. If you want something safer than Investment, you can put your money in the Bank. You'll have to travel to wherever your investment is to pick up your earnings, of course, unless you've made other arrangements. I make people invent what they're investing in because it means they might be able to influence their investments via their actions. Considering the general pace of my game, a year is way too slow. All is as per LotFP standard, save that your investment is calculated monthly. Your Charisma modifier applies to the roll on the Philanthropy effects table.įor those who want to make their money work for them, Investment opportunities are available. There is a minimum spend based on the size of the town because a huge act of charity in a podunk village doesn't even ping the social radar in a big city. As a downside, you only get 80% of the value as exp. It's like carousing, but you have the possibility of good side effects (amazing!) and you choose how much you spend. While Carousing is pretty excellent, sometimes people go "oh I don't think my character would get trashed" or "I don't want to spend a random amount of money" which is fair enough.įor gentle flowers such as these, Philanthropy is available. It's also worth +10% exp on the weekend because I enjoy the idea of people saving up their cash for a big weekend blowout. You might think if would be Constitution, but a wise man who can't hold their drink knows when to stop. Your Wisdom modifier applies to the Save vs Poison to see if you get in interesting sorts of trouble. The downside is, of course, that you could get yourself into all sorts of interesting trouble. Since you already got exp for claiming the loot from dungeons, carousing effectively doubles your exp per coin. 1:1 silver-to-exp exchange, spend a random amount of money depending on the size of the town you're in. Spend your hard-earned cash on spell research, transcription, scroll-making, and all the rest. Construction is so you can make your own house to live in and store all your loot! Amazing. Just put your hard-earned cash in the bank for a small but reliable return and the knowledge that your money is as safe as it can be in these troubled times. Risk your hard-earned cash on investment opportunities where you might earn more cash. ![]() Swap a specified amount of hard-earned cash for slightly less experience points, and maybe have good things happen. Swap a random amount of hard-earned cash for experience points, and maybe accidentally make interesting things happen. Keeping people poor via downtime activities is remarkably easy, and so I've recently expanded and codified my available activities into the following: Since then, many adventurers in my campaign have pissed away in a night more money than your average joe makes in a year. It's been more than 5 years since the famed Mr Rients invented carousing, ending an age of people getting drunk for no reason.
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