Who says banks don't exist?
Abadarians make a point to run honest and trustworthy banks.
Just take your money there, and keep it there.
How, exactly, banks work in Golarion is up to your GM, but it's a place to start.
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Uhhh, if this is Golarion, the clerics of Abadar have a sacred duty not to rip you off, and often operate banks to help facilitate commerce. If it's not Golarion, and you can't trust banks or churches, then create you're own vault. Hide it behind illusions. Use secret extra dimensional spaces to hide it.
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Bag of Holding, Handy Haversack, Pathfinders Pouch, there is a modification you can make to a Wayfinder that turns the compass into a small extra dimensional space if needed (stuff just has to be able to fit through the face of the compass) Secret Chest spell, and Portable Holes. Since the only extra dimensional bags you CAN'T put in eachother is the Bag of Holding and Portable Hole you could totally put a bag of holding in your Handy Haversack and no one would ever find it since you have to know what you are retrieving to have the bag give it to you.
trade it in for one expensive jewel. and then trade that back for cash when you need to
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trade it in for one expensive jewel. and then trade that back for cash when you need to
Was thinking that, but it's still subject to theft. Maybe buying a trade good that's so cheap for the size/weight that no one would consider stealing it. Something like lead bars or maybe even topsoil or gravel. That way it's worth something, but not really worth stealing.
wouldn't gems and jewels be subject to price fluctuations or even not being able to trade them when you need to buy something?
Price fluctuations aren't really a thing in Pathfinder, though thinking about how it would impact magic that specifically says materials of X worth must be used is amusing (flood the diamond market and destroy their value so no one can cast Raise Dead!). Presumably you could change that gem back into gold when it's time to go shopping or the upscale merchants would accept it as they could change it.
Banks totally exist. The bank of the Church of Abadar.
and ways to save it safely. what would you do to keep from losing it or having it stolen? i need ideas because i wont be spending all mine and i will be needing it to make stuff because gold is what powers magic items.... yea i know that's not how it works but you cant go around carrying fat stacks with out becoming rouge/bandit fodder. banks don't exist and you can't trust them clerics with your money everything they get is a donation.
but bandit corpses tend to have more money...
you cant go around carrying fat stacks with out becoming rouge/bandit fodder
I hate those darned red-faced bandits...
Nobody mentioned gloves of storing. Remarkably hard to steal, especially if they're unremarkable gloves. Can only hold one item, but you should get a 1:1 conversion rate on turning that gold into a single large gem and then store it in the glove.
Me, I give 1:1 rates on gems at stores: you can buy a 1,000gp item with a single 1,000gp diamond and every merchant would do that, and you can sell a 1,000gp item and get a 1,000gp diamond as payment from any store.
I have a simple scale to decide what a merchant give syou when you sell anything:
If the item costs:
<10gp - you always get silver, maybe a few gold
>10gp - you get mostly gold, maybe a little silver at the low-end and maybe a little platinum at the high-end
>100gp - you get half in platinum, the rest in gold
>1,000gp - you get half in gems, the rest in platinum, maybe a little bit of gold
>10,000 - you get almost all of it in gems, maybe a little platinum or gold
So my PCs are usually carrying around some gems anyway, so it's not hard to dump them into any storing item, even an ordinary pouch, then make that disappear (bag of holding, etc.) or even bury it in some obscure spot that nobody would expect. Or just make friends with any decent, trustworthy NPC - it should be easy enough to find them if you look. Assuming, of course, that banking is not an option.
My advice? Invest it. Seriously.
If your question is actually: I think my GM wants to screw me out of my money and his world doesn't have a safe place to put it, what can I do to ensure it doesn't get stolen?
Then the answer is there is nothing your character can do. The GM is all powerful in the game world.
Out of the game world, your ability to persuade/threaten your GM not to do this depends entirely upon your own personality and skills.
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Land.
They don't make any more of it.
You lose liquidity, gain territory (and all the trouble that comes with it) but become landed, and that counts for a lot.
The DM can try to steal your land, but generally its difficult for it to up and disappear unless some evil archmage literally flies away on it.
The DM can try to steal your land
The easiest way to make privately owned land disappear? Two words: Eminent Domain.
OK, the land doesn't disappear, but your ownership of it does, and often with zero compensation - you just "donate" your land to the government of the region whether you want to or not.
As a DM running a recently concluded kingdom building campaign, I'm now really tempted to reconvene my group because an evil archmage has literally flown away with their kingdom.
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The DM can try to steal your landThe easiest way to make privately owned land disappear? Two words: Eminent Domain.
OK, the land doesn't disappear, but your ownership of it does, and often with zero compensation - you just "donate" your land to the government of the region whether you want to or not.
Yeah but depending on your level, you can make this an issue. Possession is 9/10s.
The land doesn't quite /cease to exist/ the same way stolen money does. Stolen gp might as well be deleted from reality for how recoverable it ultimately is. If you own a 20x20 square acre holding somewhere, its less likely to up and vanish even if someone tries to 'steal' it from you. Also you'll probably know exactly who did it (so not as many options for random pickpockets).
Buy insurance. Pit your DM's NPCs against his other NPCs.
Entrust it to your friendly neighborhood paladin. Then when it gets taken, he has to make good on it or fall.
/cevah