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Old 02-22-2022, 05:20 PM   #1
Þorkell
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Default How to spend money in D&D

So I've been playing in a D&D game for a while now. Through the adventures and related hi-jinks my character has gotten a bunch of gold from time to time. I've just added whatever my portion of the loot is each time to my total which has resulted in my character having 2730gp and I have no idea what to do with the money.

Setting in Forgotten Realms, and the character is a elven Ranger currently at level 7. 5e.
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Old 02-22-2022, 06:06 PM   #2
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Default Re: How to spend money in D&D

Quote:
Originally Posted by Þorkell View Post
So I've been playing in a D&D game for a while now. Through the adventures and related hi-jinks my character has gotten a bunch of gold from time to time. I've just added whatever my portion of the loot is each time to my total which has resulted in my character having 2730gp and I have no idea what to do with the money.
Depends extensively on the DM -- mostly the stuff that would be adventuring-relevant is magic items, and the ability to buy magic items is up to the DM.
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Old 02-22-2022, 10:04 PM   #3
Michael Thayne
 
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Default Re: How to spend money in D&D

Mostly seconding Anthony, though I would grab a breastplate if you don't have one yet. Xanathar's Guide to Everything also introduced adamantine weapons, which you might consider picking up.
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Old 02-22-2022, 10:27 PM   #4
Mark Skarr
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Default Re: How to spend money in D&D

My answer is the old PVP Online answer:

Blow it all on ale and . . . um . . . ladies of the night. (Or gents, your preference.)
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Old 02-22-2022, 10:45 PM   #5
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Default Re: How to spend money in D&D

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Originally Posted by Mark Skarr View Post
My answer is the old PVP Online answer:

Blow it all on ale and . . . um . . . ladies of the night. (Or gents, your preference.)
If we're going old-school, there's also the old "spend it raising an army answer". (Turns out D&D was originally a fundraising minigame, of all things, within a broader wargame.)
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Old 02-22-2022, 10:53 PM   #6
sir_pudding
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Default Re: How to spend money in D&D

Heward's Handy Haversack is perpetually useful.
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Old 02-22-2022, 11:59 PM   #7
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Default Re: How to spend money in D&D

Buy a rural tavern and retire...
Buy some magic items.
Make certain to have a prepaid resurrection with a reputable temple.
Buy a noble title and sufficient land for your stronghold.
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Old 02-23-2022, 06:04 AM   #8
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Default Re: How to spend money in D&D

For small sums (and 2730 gp is small, on the scale of such things -- about 9 months' living expenses for a noble), the usual course is to convert it to more portable but still fairly liquid wealth: gems or jewelry.

A spyglass (PH, pp. 150,153) is 1,000 gp but 1 lb. Besides being immediately useful, it might serve as a bribe at some point.
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Old 02-23-2022, 06:07 AM   #9
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Default Re: How to spend money in D&D

If 5e is as DR happy as 3.x versions, 7th level is where many critters start having DR. Having a normal/masterwork item that can bypass DR is often far better then a +1 or +2 item that can't.

Better armor is rarely a bad idea. Pay attention to any negative mods to skills and such that armor can bring.

Minor items like quivers that can hold 50 arrows vs the more normal 20 are useful if your DM makes you track such things. Sucks to be a bow using ranger that just shot the last arrow as the third wave of enemies rounds the bend.

A selection of oddball potions can be a lifesaver.
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Old 02-23-2022, 07:19 AM   #10
Þorkell
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Default Re: How to spend money in D&D

Quote:
Originally Posted by sir_pudding View Post
Heward's Handy Haversack is perpetually useful.
I can't seem to locate that on D&D Beyond. EDIT: Nevermind, was looking in equipment not magical items.

Quote:
Originally Posted by Michael Thayne View Post
Mostly seconding Anthony, though I would grab a breastplate if you don't have one yet. Xanathar's Guide to Everything also introduced adamantine weapons, which you might consider picking up.
Two problems with the breastplate idea. As far as I can seen that'd reduce the AC the PC has, and I already have magical armor.

Quote:
Originally Posted by Anthony View Post
Depends extensively on the DM -- mostly the stuff that would be adventuring-relevant is magic items, and the ability to buy magic items is up to the DM.
As far as I can tell not a single character has bought a single magical item so far, excluding scrolls and potions.
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