claude-home/tcg/project-sol-rulebook/wealth.md

title	description	type	domain	tags
Wealth and Economy System	Project Sol wealth rating system covering abstract wealth levels, cost ratings, credit spending, wealth increases, and pooling credits for group purchases.	guide	tcg	project-sol wealth economy credits purchasing

Wealth

Wealth Rating

A character's wealth rating encompasses more than just the figures in their bank account. It encompasses their ability to gain credit, transfer assets and take advantage of special pricing. It's an abstract value, which means the players don't need to track every credstick, investment, transfer and mortgage. They need only worry about the big picture.

A wealth rating is a value commonly ranging from 0 (dirt broke and in debt) to 10 (filthy rich), although the super-rich can have wealth ratings that well exceed 10. The average middle-class character has around Wealth 5, although some places are more wealthy than others and local average may vary signiicantly.

💡

• Wealth 0: completely broke
• Wealth 5: average, middle-class family
• Wealth 10: wealthy
• Wealth 15+: the corporate elite

Increasing Wealth Rating

Each character may individually increase their Wealth by investing credits into their Wealth Rating. The cost of upgrading wealth is equal to the new rating in Credits. Like skills, each Wealth Rating has to be purchased individually without skipping any.

💡 Alyssa currently has a Wealth Rating of 6 and wants to increase her purchasing power. By spending 7 credits, she can increase her Wealth Rating to 7.

Cost Ratings & Credits

Whenever a character purchases a piece of equipment or incurs some other sort of expense, this expense has a cost rating. Like the character's wealth ratings, this cost rating is an abstract measure of the cost to the character, abstracting away the need to worry about rebates, loan payments or maintenance costs. Like wealth rating, a cost rating is exponential with each cost rating being approximately double the cost of the rating below it.

Purchases are made by a character spending credits equal to the cost rating of the item. Characters may purchase anything with a Cost Rating up to their current Wealth Rating by reducing their credit amount by the cost of the item.

If the item's Cost Rating is higher than the character's Wealth Rating, they may still make the purchase with their available credits, but must also decrease their Wealth Rating by [Item's Cost Rating] - [Current Wealth]. Wealth Rating may never go below 0.

💡 Jensen wants to purchase a vehicle that has a Cost Rating of 8, but Jensen only has a Wealth Rating of 6. If he has 8 available Credits, he may still make the purchase, but must decrease his Wealth Rating by 2 (the difference between Cost 8 and Wealth 6) to 4.

Pooling Credits

Characters may choose to pool their money to make a large, collective purchase. Anyone who contributes to the pool is subject to the Cost to Wealth Rating limits. If any of the pooling characters have an insufficient Wealth Rating, once the purchase is made the purchasing group must combine to decrease their Wealth by the greatest Cost to Wealth Rating difference starting with the highest Wealth.

If more than one character contributing to a purchase has an insufficient Wealth Rating, only the greatest difference is applied to the purchase.

💡 Allen, Blade, and Caesar are pooling their credits to make a Cost Rating 13 purchase. Their Wealth Ratings are 6, 7, and 9 respectively. After spending the 13 credits to make the purchase, the group must decrease Wealth Ratings by a total of 7 (the difference between Cost 13 and Wealth 6).

The following steps would be taken:

• Caesar from 9 to 8 (1 total decrease)
• Caesar from 8 to 7 (2 total decrease)
• Caesar from 7 to 6 (3 total decrease)
• Blade from 7 to 6 (4 total decrease)
• Caesar from 6 to 5 (5 total decrease)
• Blade from 6 to 5 (6 total decrease)
• Allen from 6 to 5 (7 total decrease)