ODDS supports two approaches to wealth:
The GM chooses one method at campaign start. Do not mix systems unless intentionally blending genres.
Characters have a Wealth Rating from 0 to 5.
0 – Destitute 1 – Poor 2 – Modest 3 – Comfortable 4 – Affluent 5 – Wealthy
Wealth reflects access to gear, contacts, and lifestyle.
It is not exact currency.
Routine purchases:
Automatically succeed if reasonable for your Wealth level.
Significant purchases:
Roll 1d20 + Wealth against a TN set by the GM.
Suggested TNs:
Basic Gear → 8 Quality Equipment → 12 Specialized Equipment → 15 Rare or Restricted → 18 Legendary or Black Market → 22
On success:
You acquire the item.
On failure:
You cannot afford it right now. The GM may offer a narrative complication instead.
On Strong Success:
Wealth does not decrease.
On failure by 5 or more:
Wealth decreases by 1.
Wealth never drops below 0.
Wealth may increase after major rewards or successful ventures.
Characters track credits, gold, or equivalent currency.
Example starting funds:
500 credits (Tier 2 Heroic)
Equipment has fixed costs determined by the GM.
Track purchases normally.
This mode is recommended for:
In Abstract mode:
Lifestyle is covered by Wealth rating.
In Concrete mode:
Minor living expenses are ignored unless narratively important.
The GM may impose periodic upkeep costs for:
Only track upkeep if it supports the tone of the campaign.
Rewards may grant:
Wealth increases should be meaningful. Avoid frequent +1 increases unless campaign scale supports it.
For hybrid campaigns:
Use Concrete Currency for gear. Use Wealth Rating for influence and lifestyle.
Example:
A character may be low on credits but still socially connected.
Blended mode requires GM discipline to avoid double benefits.
Abstract Wealth:
Concrete Currency:
Choose the method that reinforces your campaign tone.
Switching mid-campaign is possible, but requires recalibration.
ODDS RPG Economy v1.0 Playtest