ODDS supports two approaches to wealth:

• Abstract Wealth (narrative-focused)
• Concrete Currency (credit-based tracking)

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:

• Gritty campaigns
• Survival-focused play
• Cyberpunk settings
• Economic or trade-heavy stories

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:

• Starships
• Vehicles
• Bases
• Cybernetics maintenance

Only track upkeep if it supports the tone of the campaign.

Rewards may grant:

• Wealth increase (Abstract mode)
• Currency payout (Concrete mode)
• Assets (labs, vehicles, safehouses)
• Reputation boosts

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:

• Fast
• Narrative-focused
• Low bookkeeping

Concrete Currency:

• Detailed
• Tactical
• Resource-driven

Choose the method that reinforces your campaign tone.

Switching mid-campaign is possible, but requires recalibration.

ODDS RPG Economy v1.0 Playtest