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Starting Wealth: as older, more experienced characters to begin the game with, we'll be using an alternate "starting wealth", based on the level of wealth and status taken. Calculate the net monthly income (earnings - cost of living), divide that by 2, then multiple by 130 (13 months for 10 years). Example: average wealth ($700) and status 0 (-$600) gives $100 x 0.5 x 130 = $6,500... that would be $5,500 more than the standard starting wealth. This represents that your characters have managed to either save some money over the years or invested in items which they still possess.
Starting Wealth: as older, more experienced characters to begin the game with, we'll be using an alternate "starting wealth", based on the level of wealth and status taken. Calculate the net monthly income (earnings - cost of living), divide that by 2, then multiple by 130 (13 months for 10 years). Example: average wealth ($700), 30% taxes ($210), and status -1 (-$300) gives $190 x 0.5 x 130 = $12,350... that would be $?,??? more than the standard starting wealth. This represents that your characters have managed to either save some money over the years or invested in items which they still possess.