Wealth and Money
Money use to be such a simple thing. People use to trade items for other items that they needed. And in order to help facilitate that currency was created. Now with gold/silver stamped coins people could trade items for value without having to receive something they didn't find as valuable. Our wealth was dependent on how many coins you had. To help insure your money banks where formed. They kept your coins safe while also allowing people to buy things with money they didn't have. They just needed to go into debt with the banks.
Things quickly started to get more complicated from there Banks/Credit/Debt. And all that was before advancing technologies such as the internet with electronic transfers, interest rates, credit limits. This wealth system is an attempt to simplify managing money and wealth while still representing some of the complicated aspects of our modern and possibly future economy without compromising game play and story telling.
All things revolve around Credit. Credit is two fold. It sets your monthly Budget and it also tells you your loaning power. You also have Bonus Income. This income comes from things outside your profession and can provide a temporary boost too your Credit rating. Budgets show how much money you can spend in a one month time frame. You can also choose to save your income and add it to your Bonus Income with a DC check of 1d20 + Wisdom Modifier and your score will depend upon the amount saved. Review the chart titled "Saving" for more information.
Credit
The credit rating tells how much your budget is. It can start at 0 which means you have no spare cash to afford anything. It also means you cannot buy anything on loan. The only money you may have is whats on you or in other words your Bonus income. At a Credit score of 1 you have $250 IGC (Inter-Galatia Currency) as a budget. And for ever point higher you had an additional 250 IGC. However at level 11 you start to add %500 too the budget instead of $250. The increase that happens every 10 steps is to represent that it is easier to increase wealth when one has more wealth. At level 21 this occures again and now you add an additional $1000. You add $500 more to what you grow each level for ever 10 levels. A full chart of this process is shown below to help explain.
| Credit Rating | Budget |
|---|---|
| 0 | $0 |
| 1 | $250 +250 |
| 2 | $500 |
| 3 | $750 |
| 4 | $1000 |
| 5 | $1250 |
| 6 | $1500 |
| 7 | $1750 |
| 8 | $2000 |
| 9 | $2250 |
| 10 | $2500 |
| 11 | $3000 +500 |
| 12 | $3500 |
| 13 | $4000 |
| 14 | $4500 |
| 15 | $5000 |
| 16 | $5500 |
| 17 | $6000 |
| 18 | $6500 |
| 19 | $7000 |
| 20 | $7500 |
| 21 | $8500 +1000 |
| 22 | $9500 |
| 23 | $10500 |
| 24 | $11500 |
| 25 | $12500 |
| 26 | $13500 |
| 27 | $14500 |
| 28 | $15500 |
| 29 | $16500 |
| 30 | $17500 |
| 31 | $19000 +1500 |
| 32 | $20500 |
| 33 | $22000 |
| 34 | $23500 |
| 35 | $25000 |
| 36 | $26500 |
| 37 | $28000 |
| 38 | $29500 |
| 39 | $31000 |
| 40 | $32500 |
| 41 | $34500 +2000 |
| 42 | $36500 |
Saving
Saving can be hard. To represent the struggle of maintaining a budget and attempting to Save income for later there is a DC that must be beat with a roll. 1d20 + Wisdom. Adding Wisdom modifier is to represent that a wiser person may have more self control or foresight to be in a position to save some income. If a player chooses that they want to save there Budget for this month of game play they can make this roll. If they succeed they can choose to save that amount and deduct it from there budget. If they roll higher then what they wanted to save they do not need to save that exact amount. They can only deduct up to the max that there roll allows. The below table shows the DC range for the maxim amount savable.
| DC Range | Saved % |
|---|---|
| 1 - 5 | 0% |
| 6 - 10 | 25% - 1/4 |
| 11 - 15 | 50% - 2/4 |
| 16 - 19 | 75% - 3/4 |
| 20 | 100% |
Loans
Buying some that you can not normally avoid via a Loan is one of the defining things of modern society and in the Future Path heroes too while need to make large purchases sometimes much bigger then they can normally avoid. They can accomplish this by getting Loans. Loans take away from your total Credit. This emulates the idea that part of your monthly budget now goes towards paying off that loan. A characters Credit score determines the amount of Loan one can get. Loans are not permanent adjustments too Credit. However they do last a while. The GameMaster can have some say in how long the the Time frame for the loan is. The Player can attempt to get a better Time by rolling 1d20 + Int or 1d20 + Cha against a DC of 15 to lower the loan below the minimal amount of time. Lowering however while take another -1 hit too the credit score sense you are attempting to pay the loan off faster. The player can do the same roll with a DC of 20 to have the time raised so that the players credit score is not so adversely effected. More on that after the chart below.
Here is a table showing Credit score ranges and the amount of Loan associated with them:
| Credit Score Range | Loan Amount | Time In Years |
|---|---|---|
| 0 | - | - |
| 1 - 5 | $10,000 | 1-2y |
| 6 - 10 | $30,000 | 2-4y |
| 11 - 15 | $80,000 | 4-10y |
| 16 - 20 | $250,000 | 15-30y |
| 21 - 25 | $500,000 | 30y |
| 26 - 30 | $1,000,000 | 30y |
| 31 - 35 | $2,5000,000 | 30-45y |
| 36 - 40 | $6,500,000 | 30-45y |
| 41 - 45 | $10,000,000 | 45y |
| 46 - 50 | $20,000,000 | 45y |
| 51 - 59 | $45,000,000 | 45-60y |
| 60 - 69 | $100,000,000 | 45-60y |
| 70 - 79 | $250,000,000 | 60y |
| 80 - 89 | $500,000,000 | 60y |
| 90 - 99 | 1,000,000,000 | 60+y |
| 100+ | 1+ Billion | 100+y |
A player may choose to buy a product on loan as long as that product doesn't cost more then there credit rating. For example say the Player wants a new hoover bike. The bike costs $25,000 the player has a credit rating of 7. If the player wants to buy the bike on loan he can as the cost of 25,000 is between 10,000 and 30,000 thousand which means only players with Credit score between 5 and 10 can get a loan of that size. The player buys the bike on loan and takes a -1 to his credit rating for the next 2 years a time frame negotiated in game with the GameMaster roll playing the seller of the bike.
A player can attempt to get a loan for an item thats cost is in a range above the players credit. Lets go back to the previous example except this time the player only has a credit score of 4. It would be a massive strain on that player's budget to buy the $25,000 hoover bike. However not impossible. The loan can still be made. Except now the player takes a -3 penalty on his credit score. The player can attempt to negotiate a longer loan time with a 1d20 + Int or 1d20 + Cha against a DC 20. This can lengthen the amount of Time for the loan or get a better rate or what scenario best fits according to the GM and the Player can reduce the penalty to his credit score to only -2. A player cannot attempt to get a loan any higher then one range above.