Quote:
Originally Posted by Stormcrow
Meanwhile, at TL12, where goods are plentiful and everyone can easily have all their basic needs met, someone of Average Wealth needs just one level of Independent Income ($1,000 per month) to make ends meet. Leisure is much more possible at higher TLs.
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What this is missing is that CoL isn't 'making ends meet' (that's around $25/month and is in fact TL-independent). It's "living the way a typical person of your status lives", which means you spend the amount it's
expected for you to spend. Most people don't manage a savings rate of more than around 20%, so figure that's 80% of expected income.
Personally, I would change CoL to be lifestyle at a stated wealth level (so you have Average or Comfortable or whatever), costs a percentage of starting wealth for that wealth level (possibly slightly TL-variant) and just note "there may be a social expectation of a particular wealth level for a particular status, in which case you must live at that wealth level or suffer a reaction penalty. If you are gaining status from wealth, you cannot gain more status than what would be granted for the wealth level you are living at."