Adventuring can be very beneficial, beyond just thrills, meeting powerful connections, or doing good (or evil) to accomplish character motivations, loot (gold, silver, gems, and magic item) can also be a strong motivator for characters. In MM we have added prices to almost every item, and the enchanting system is in the works, which will allow players to layer abilities onto any item, given freedom for players to craft their own items using hordes of coin with the enchanting system.

However there is a large aspect of the game that is largly ignored, which can be a powerful motivator for players (and monsters): Loot. The table is a guide, usually used in character creation, to guide the player to purchasing items for characters beyond level, or given/rewarded items by the GM, to help with game balance for higher levels of play. It is also a nice reference for GMs to gadge the power level in wealth (or magical item power) of other creatures within their campaign world, or impending encounters.

Again, like most things in MM, the below table is subjective to the campaign itself, but primarly acts for game balance (so players don't fall to far behind) for mostly combat encounters.

To clarify, if players net worth (typically in the form of powerful magical items) is over the stated amounts, they will have to be challenged with harder encounters. While in more low magic campaigns, where magic items are harder to find, and characters are left to rely on their base powers.

The table below is the approx wealth (in gold) each individual PC should have at the start of each level. It’s not exact but more an average to aim for so the players have an appropriate amount of money to spend at the proper levels. (ie: heavy armor users really shouldn’t be able to afford to purchase 1500g plate armor before level 12). You can also use this when making characters at higher levels.

Note: This only gives an average number for the wealth that players might find, it does not account for expenditures on gear, lifestyle expenses, etc.