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Money

From Discovered

Money can take many forms in game, from dollars to yen to bitcoins, but the core measure of financial capacity in the game are slots of Financial Stress. Characters are assumed to be middle class, with enough to handle day to day living and consumer extras. (See money for more details.)

Having a lot of money can solve a lot of problems - which can make a game boring. Be careful when allowing characters to have significant wealth. Similarly, being poor or impoverished can be hard to play unless the whole party takes it. Normally characters have enough money to carry out day-to-day adventures. If a character can bend fate with wealth they need to dedicate points of Refresh to that resource. This includes access to expense accounts and slush funds that they may not personally own. For example, Rebecca doesn't have a lot of ready cash of her own, but her growing business empire is working in the "millions" range. It is usually less expensive to buy specific wealth rather than ready cash. For example, it only costs 1R to own a mansion that lets you find a marvellously useful item once per session. Having the money to afford a mansion and those wonderful toys would cost 6R.

Narratively relevant costs and expenses are described in terms of Financial Stress (FS). At or below the middle class, the character has no FS slots. Poor and impoverished people are vulnerable to FS, taking FS damage from expenses that are normal and unnoticed by those with middle class wealth or more. You can invest refresh in damage resistance and/or a healing factor vs financial stress. A society with UBI might provide +2DR vs FS to all citizens to ensure that even the impoverished are not taking consequences to feed themselves.

  • '''Impoverished''' (4L): Staying clothed and fed is a struggle, let alone having a place to sleep. Ready cash in the μB10/B0.00001 range. You likely live on the streets, begging for money to stay fed. Your life is a constant struggle with predators - hoodlums, petty criminals, and the like - and you don't see any way out. Vulnerable to Financial Stress, taking +2FS for every expense.;
  • '''Poor''' (2L): Making ends meet is a constant struggle. Ready cash in the μB100/B0.0001 range. You barely have enough money to make ends meet, and are constantly scrounging and saving. Going out for a meal means not paying a bill, or being late on rent. You don't own much [[stuff]], and what you do own is mostly second hand, worn down, or cheaply made. Vulnerable to Financial Stress, taking +1FS for every expense.;
  • '''Middle Class''' (0R): Ready access to enough money that travel, lodging, and new high-end phone purchases are not an issue. Ready cash in the μB1000/B0.001 range. You have enough money to buy your way out of basic scarcity issues, such as broken machines, small living spaces, slow transportation, etc. This is similar to being upper middle class: you have enough to rarely worry much about budgeting and can still go on a great vacation on short notice, or buy that new device. This is the baseline wealth that all characters are expected to have.;
  • '''Well Off''' (2R): Ready access to enough money that buying a ticket to a far off location at the spur of the moment is no issue. Ready cash in the μB10000/B0.01 range. You have enough money to buy your way out of many of life's issues. In many cases you don't need to make a purchase: your wealth works for you to open helpful doors and seal damaging portals. Gain stress financial stress slots. (12FS);
  • '''Millionaire''' (4R): Ready access to enough money that buying a car to throw away is no issue. Ready cash in the μB100,000/B0.1 range. You have enough money to buy your way out of many of life's issues. In many cases you don't need to make a purchase: your wealth works for you to open helpful doors and seal damaging portals. In other cases a 'donation' or strategic purchase can grease the wheels. Gain stress financial stress slots. (1234FS);
  • '''Multimillionaire''' (6R): Ready access to enough money that buying a plane to get somewhere is not an issue. Ready cash in the B1 range. You have enough money to buy your way out of many of life's issues. In many cases you don't need to make a purchase: your wealth works for you to open helpful doors and seal damaging portals. In other cases a 'donation' or strategic purchase can grease the wheels. Gain stress financial stress slots. (123456FS);
  • '''Billionaire''' (8R): Your wealth rivals MNCs and smaller countries. Ready cash in the B10 range. You have enough money to buy the bank that's foreclosing on your pal's mom. Gain stress financial stress slots. (12345678FS);