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Old 01-21-2018, 09:32 AM   #1
Join Date: Aug 2004
Location: Buffalo, New York
Default Independent Income at later TL stages

Hello Folks,
This is perhaps already been hashed out/over in past discussions. If so, I apologize. If not, I figure it is best to perhaps raise the point.

During one of my earlier Cyberpunk campaigns, I thought "hey, usually Cyberpunk is about the man on the street trying to drag himself up from the street. What if we put the shoe on the other foot, and make it such that the player character is trying to keep from being overwhelmed by those at the street level?"

So, we started to try and price out the character - where he has independent income (from stocks, royalty payments, etc). The idea was that his character's grandfather or perhaps father were to have created the computer chip architecture for the next generation computer chips. The independent income was intended to reflect that in order to manufacture said chips, other companies were paying through the nose in order to do so. In addition, the character was expecting to be able to live off of his stock portfolio - and finally, he would start to grow his "robotics" business in the form of buying a factory, designing robots, marketing them, etc.

So. What's the problem right? All we really need is Boardroom and Curia etc... right? Couple this with GURPS VEHICLE rules for factories and building machines etc - and we should be all set.


Not so fast pilgrim...

Let's take Multi-millionaire III as an advantage for TL 9 for starters. Starting wealth is $30,000 at TL 9. Filthy Rich takes it up to $300,000,000. So far, no problem right? Starting assets for someone that rich means they're able to afford a 90 million dollar building, and have some 210 Million in assets still yet to buy. But let's look at Independent income. Each 1 point grants 1% of your starting wealth per MONTH. Taking 20 points worth of Indpendent Income means that the character is making 20% of 300,000,000 per month.

that works out to $6,000,000 per month. Wowsa! What is the best return on investment ratio for stocks these days? If the character is raking in 6 Million a month, and let's say return on investment is 20% per year (*cough*!!!!) - that would seem to imply that at 6 x 12, or 72 million a year, as a 20% return on investment, the character has a stock portfolio worth how much? I KNOW that I'm going to be wrong suggesting that it is worth around $360 Million - but that does seem to be in the ball park as best as I can figure. Initially, the character's total assets for Multi-Millionaire III was only supposed to be 300 million. Independent income bumps that up to a solid 360 million not inclusive of any other assets?

What are royalty payments like that a character gains that kind of money?

WHAT exactly is independent Income really supposed to be? Someone who is making a modest 6% return on initial investment of say, 100,000 - is only making 6,000 for the year, divided by 12, or roughly 500 a month!

At TL 9, that is only 500/30,000 or just a wee bit over 1% of starting wealth. Ie, a single point.

Every time I attempt to apply real world examples advantages or specific rules in GURPS 4e's wealth section, I keep bumping my head into "What were they thinking!"

Ever compute the hourly wage required to earn "average income" for someone working a 40 hour work week in order to earn *AFTER TAXES* 3,600 a month?
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cyberpunk, independent income

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