What do I do with 200,000 gp? Im level 3!


Advice


Our first quest was apparently a big one, we explored the entirety of this dungeon which was this old floating castle that only appears after midnight every night over this lake because its cursed. This lord interviewed a bunch of adventurers and our party was chosen to go there, kill anything in our path, and bring him this super amazing buckler that was suppose to be deep in the castle. It is crazy lucky or something so he offered us a huge reward. One player agreed to give up his share of the loot (200k each) for a map to "the river of the dead" because his character is based on moragesh from paragon and he thought they would do that...*shrug* his loss I guess. Anyway, we gained 2 levels from the castle, killed lots of low level enemies and got ourselves some random loot. We plan to sell most of it as we really cant use almost anything we found. Soooooo, what do I, a level 1 slayer/ level 2 unchained rogue...do with 200k? I see that the average gold for a level 3 character is 3000...

Sovereign Court

Pathfinder Lost Omens, Rulebook Subscriber

Most likely a DM mistake, if he is a new dm or it's a monty haul dm...heh, guess try to even find a place where you can buy good stuffs. If your dm is using settlement rules (he probably isn't), it's difficult to even buy most expensive magic items.


Eltacolibre wrote:

Most likely a DM mistake, if he is a new dm or it's a monty haul dm...heh, guess try to even find a place where you can buy good stuffs. If your dm is using settlement rules (he probably isn't), it's difficult to even buy most expensive magic items.

He has gmed for us for a while, last few years switching between him, myself, and another friend most weeks on and off. Other friend gave us 500,000 the other day XD. Ive never given these guys this much loot when I gmed so I have no idea what to spend it on. I want to use it on things that ARE NOT stupid. Im very tempted to just limit myself to about what I should have at each level. He also said the town we are in is huge and we will find "most magic items" we would want here.

Sovereign Court

Pathfinder Lost Omens, Rulebook Subscriber

So it is a monty haul gm after all...

heh, guess it doesn't really matter then. The problem is, some of your party members are going to buy whatever and essentially make it too easy.

I suppose you could limit yourself but since the others are players...they will come fully equipped with the big six at least already maxed out.

Guess if you don't want to optimize get a cube of force , it will give you enough defenses for everything.

rest of the gold, buy property, start businesses etc...


Eltacolibre wrote:

So it is a monty haul gm after all...

heh, guess it doesn't really matter then. The problem is, some of your party members are going to buy whatever and essentially make it too easy.

I suppose you could limit yourself but since the others are players...they will come fully equipped with the big six at least already maxed out.

Guess if you don't want to optimize get a cube of force , it will give you enough defenses for everything.

rest of the gold, buy property, start businesses etc...

Monty haul gm? I should point out that for this guy. This is odd. Typically he gives us NOT ENOUGH LOOT. He shorts us on cash and exp a lot. He mentioned that this time he made a point to give us a lot so he can't BE blamed for us not having proper equipment and etc like before.

Sovereign Court

Pathfinder Lost Omens, Rulebook Subscriber
Monty Haul wrote:

A Monty Haul campaign (with a "U") was the generic label for a Game Master (and his/her campaign) who would run adventures that were like game show giveaways, except the questions weren't as hard. Players would end up staggering under the loads of gold and gems (except the encumbrance rules often were ignored as well) and cherry-picking which magic items they wanted to keep because they had so many to choose from. Think of Conan the Barbarian with a Star Destroyer.

Also, in the first and second editions of Dungeons & Dragons, Player Characters got Experience Points based on how much money they looted, one to one. So the Monty Haul characters would also end up at stratospheric Character Levels, which would lead to situations in which they were assassinating gods to gain their nifty weapons.

This is a situation most gamers greatly deplore and is sternly discouraged in the Game Master's section of all later games, but it is assumed that everyone went through this stage at some early point in their gaming "careers."

In some other cases though, the Monty Haul game master may be a case of Suspicious Game Master Generosity since sometimes they may take it to bring upon an already dangerous foe and give him a slew of new tricks or has their stats tweaked for whatever to get ready for a tougher battle.

Basically this ^


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Starfinder Charter Superscriber

What do you do with 200,000 gp at level 3?

Retire.


Eltacolibre wrote:
Monty Haul wrote:

A Monty Haul campaign (with a "U") was the generic label for a Game Master (and his/her campaign) who would run adventures that were like game show giveaways, except the questions weren't as hard. Players would end up staggering under the loads of gold and gems (except the encumbrance rules often were ignored as well) and cherry-picking which magic items they wanted to keep because they had so many to choose from. Think of Conan the Barbarian with a Star Destroyer.

Also, in the first and second editions of Dungeons & Dragons, Player Characters got Experience Points based on how much money they looted, one to one. So the Monty Haul characters would also end up at stratospheric Character Levels, which would lead to situations in which they were assassinating gods to gain their nifty weapons.

This is a situation most gamers greatly deplore and is sternly discouraged in the Game Master's section of all later games, but it is assumed that everyone went through this stage at some early point in their gaming "careers."

In some other cases though, the Monty Haul game master may be a case of Suspicious Game Master Generosity since sometimes they may take it to bring upon an already dangerous foe and give him a slew of new tricks or has their stats tweaked for whatever to get ready for a tougher battle.

Basically this ^

Hm....honestly i think its a case of "I still dont know how to balance a game." As thats been his biggest issue since day one. He doesnt read the rules thoroughly so I have to catch his bum if things start to get out of hand. His encounters are either way too hard or way too easy to the point that he declines us ex for them sometimes. He doesnt award loot enough or gives us alternatives to spend it on when he gives it to us in great volumes but these are typically traps, yes we made our thing or our awesome guild or whatever but nothing comes from it and it was a waste of cash. I dont think he does it while realizing it but its still a big issue. :/ The dungeon was built better this time but oh god so many corridors! Anyway, my party may not just buy stupid nonsense so im still unsure as to if I should ration it or just get really beefed up. Any suggestions on how much I should spend for now?


Jhaeman wrote:

What do you do with 200,000 gp at level 3?

Retire.

Lol, nice, but I dont see that happening with this character. He adventures because he just simply loves to kill and loves the thrill of plunging his blade deep into the body of another, but being an outright murderer for fun comes with consequences and he doesnt see a point in killing without provocation. He is CN, borderline NE honestly.


ViConstantine wrote:
Any idea how much I should spend for now?

This table says about 3000 gold


You mean Chaotic Stupid, right? I mean, if he's borderline Evil, but we're playing him up as "not-evil" in an attempt to skirt the alignment system in that he loves killing and torture and pain, but not unless somebody says "Yo momma so fat" to him, then let's be realistic: he's Evil to a T. Anyway...

If you're seriously adamant about not wanting to retire as a 3rd level character with that kind of money, then I'd suggest you get a +10 Weapon (AKA +5 Enhancements with +5 in special abilities). The special abilities can be anything you want, really, but some solid ones (depending on build) are Keen (spares a feat on Improved Critical if this is the only weapon you plan on using), Fortuitous (works with Combat Reflexes if you can create provocations on your own), Ghost Touch (just because it's magic doesn't mean it won't work on incorporeals with full force), Defiant (greatly reduces the odds of losing your weapon, also works with Improved Iron Will/Reflexes/Fortitude feats), Impact (improves damage dice, but depends on what weapon you use), and Menacing (improves flanking bonuses for allies, giving them more incentive to work with you).

You could work on getting the Big 6 (Belt of Physical Perfection +6, Cloak of Resistance/Amulet of Natural Armor/Ring of Protection +5, +10 Armor/Shield) instead, but I think having a powerful weapon like that is both in-character (your favorite "murdering tool"), and probably the most beneficial to you (since the game favors offense more than defense, and the +10 weapon is the best you can get offensively).


magispitt wrote:
ViConstantine wrote:
Any idea how much I should spend for now?

This table says about 3000 gold

Thats what I did. Decided on mule back cords for now to help with my equip load issues as I have zero strength bonus since I am getting dex to damage in a level and dont feel I need str otherwise because of that, picked up a new masterwork dueling sword, mw buckler and mw chainshirt. Ditched my old clothing for a soldiers uniform and thats it for now. No need to blow it all in one place, I still have about 300 something left and I feel it should be saved for now. My equipment is fine as is and I dont feel the need to over power myself to the point of being obnoxious.

Also the chaotic stupid thing. Im playing a character that is literally crazy, he is mentally disturbed and takes it out on the world around him, using the bodies of monsters and people he is sent after for quests and bounties to carve out his trauma from a troubled past. Is it right? No but he isnt hurt the good guys nor is he a good guy. He is out for himself and doesnt get involved unless he finds a reason to. So personally, ill play my character however I damn well please and if you would kindly shove it, I would consider it a personal favor. Also, thank you for your equipment suggestions. Ill keep them on the list for later levels.


Adventure Path Charter Subscriber
ViConstantine wrote:


Any suggestions on how much I should spend for now?

Consult with the other players so you're in agreement of how to spend the money. You don't want some of the players being sensible while others are not.


Bill Dunn wrote:
ViConstantine wrote:


Any suggestions on how much I should spend for now?
Consult with the other players so you're in agreement of how to spend the money. You don't want some of the players being sensible while others are not.

Fair point, ill talk to them about it and see if I cant also persuade them to only spend about 3-4k for now and to save the rest for later. I know one of them, our bard, is a first time player and probably has no idea whats going on, he will probably want to splurge and ill have to see if I can set him straight in a way that doesnt confuse him too much based on what he has been given.


Something you might do is rather than spend it sensibly on the most effective combat bonuses, spend a part on some weird things which give you new capabilities.

e.g. A verdant vine for some battlefield control, a figurine of wondrous power of a typewhich isn't for use in battle, some form of flight (maybe a ring of seven lovely colors) or something for adventuring underwater.

Another person worth talking to is the GM of course. They may be screwing up but it's also possible that they're expecting you to spend at least some of it.


You could always invest it all into kingdom building. Get yourself a nice, big fortress. Protect it with magical wards. Hire some wizards to permanently bind outsiders to it's defence. Then get them to set that thing afloat.

Nothing quite like a flying fortress to keep your enemies out.


Watch out for a level 7 rogue 1-shotting you and taking your obscene amount of wealth. ;)


avr wrote:

Something you might do is rather than spend it sensibly on the most effective combat bonuses, spend a part on some weird things which give you new capabilities.

e.g. A verdant vine for some battlefield control, a figurine of wondrous power of a typewhich isn't for use in battle, some form of flight (maybe a ring of seven lovely colors) or something for adventuring underwater.

Another person worth talking to is the GM of course. They may be screwing up but it's also possible that they're expecting you to spend at least some of it.

The ring sounds lovely indeed though its not what im after at this level. The verdant vine however sounds like it might be my next larger purchase as it sounds like a nifty little item to have on hand. Thank you for the suggestions. I also like waifu's suggestion of a flying fortress though i feel that it might not be something (character has no actual name for rp reasons so insert whatever here) would be interested in.


Pathfinder Maps, Pawns Subscriber; Pathfinder Roleplaying Game Superscriber; Starfinder Charter Superscriber

A custom-tailored intelligent magic all item that is totally aligned with your goals.


Spend 3000 in objrct as fit for your level and invest the rest in stone, it's always a solid placement... Inn are solid choice for that, it's always full whenever player's go to an inn that surely mean something... With this you're going to secure yourself a nice retirement and, in fact, you will have much more than the 200,000 invested before few years goes... :p


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Spend 120,000 gold to build a bank for the kingdom (per Ultimate Campaign), become master of the coin. Invest the remaining money in the bank, adventure off bank profits.


I'd actually put everything into equipment - with such powerful gear adventuring suddenly becomes much safer and faster. Even at level 14 you will have twice as much wealth as normal - afterwards your advantage diminishes significantly (down to ~20% at level 20). So maybe retire once you increased wealth to triple the original amount, at level 17?

When it comes to gear, I'd spend ~25k on a +4 weapon (or ~32k on two +3) and amounts like ~8k to ~36k on each other item slot. When I fill up everything with good items, that's way more powerful than focusing on few slots (due to often exponentially raising costs for individual items).


+5 Tome in your mainstat.

They say you shouldn't buy these (since they don't upgrade on each other) until you can afford them. Now you can afford them. That leaves you with 60k to spend on gear, which puts you closer to "normal" range (not very close mind you, but a lot closer.)


Rhedyn wrote:
Spend 120,000 gold to build a bank for the kingdom (per Ultimate Campaign), become master of the coin. Invest the remaining money in the bank, adventure off bank profits.

If you're in Golarion take care of Abadar Cleric, they usually prefer when it's them having the vault key ;)

On the other hands Cayden Cailean priest don't care who serve them the ale, inn and tavern are a better investment, there's always someone in Inns and Taverns, as a player have you ever set foot in a bank ? It's always empty... :p

Don't spend this on equipment a GM can take away from you, a notarial act in front of many witness and guarded in a safevault in a bank is much more difficult to take away and you will enjoy your dividend :D


Thing about massive windfalls is that it may presage a lengthy dearth of loot for a prolonged period.


Loengrin wrote:
Rhedyn wrote:
Spend 120,000 gold to build a bank for the kingdom (per Ultimate Campaign), become master of the coin. Invest the remaining money in the bank, adventure off bank profits.

If you're in Golarion take care of Abadar Cleric, they usually prefer when it's them having the vault key ;)

On the other hands Cayden Cailean priest don't care who serve them the ale, inn and tavern are a better investment, there's always someone in Inns and Taverns, as a player have you ever set foot in a bank ? It's always empty... :p

Don't spend this on equipment a GM can take away from you, a notarial act in front of many witness and guarded in a safevault in a bank is much more difficult to take away and you will enjoy your dividend :D

We Are by in galorian, I wish we were but neither i, nor any gm I've played with knows almost anything about galorian and we don't know the best place to get extensive knowledge about it's world for a campaign.

Silver Crusade

Pathfinder Adventure Path Subscriber

Find a new GM.


It's a trap. Probably. If not the tome, custom magic item, a great hideout, all useful. But this feels like a trick. I would stash the money somewhere safe and trustworthy for now until you see how it plays out.


Retire.


Ravingdork wrote:
A custom-tailored intelligent magic all item that is totally aligned with your goals.

Consider the character goals are just wanton slaughter, I'm not so sure that would be a good idea for anyone. Especially the character. ;)


_Ozy_ wrote:
Ravingdork wrote:
A custom-tailored intelligent magic all item that is totally aligned with your goals.
Consider the character goals are just wanton slaughter, I'm not so sure that would be a good idea for anyone. Especially the character. ;)

Agreed.


Maybe be a pal and buy something nice for the guy who traded for the map, especially if the map has helped or might help in the future.


Scythia wrote:
Maybe be a pal and buy something nice for the guy who traded for the map, especially if the map has helped or might help in the future.

We actually still have a bunch of loot left, just random magic stuff like arms, armor, wizard books, etc. I plan to talk to the rest of my party and see about selling it all in the hopes of letting him take however much gold we get out of it. I want to make sure he gets something, I know that he got the map and knew what that meant regardless of how kind of dumb it was and how much that option cheated him out of. He said that all he hopes is that our gm does something with the map and that it leads to something. I dont know what our gm has in mind but im not sure if it will be worth it in the end...anyway, I think that even though it was his choice to trade his reward or some dumb map, he should still get something.


400 combat trained tigers


1 ring of Ring of Elemental Command, Truesight Goggles, Mirror of Life Trapping or Flying Skiff...


Buy a country. Mobalize the entire population into an army. Send armies to go raid the biggest dragon lair you can find. Rinse and repeat. Considering the dead don't get a split of the XP you should still level at a reasonable rate :D


Use the monies for non-combat. Start a mercenary guild. I've been given a metric ton of gold before in campaigns (literally stole a gold mine, and mined it with goblin slave labor). We had an agreement with the DM that we weren't going to think about the gold mine in terms of PC wealth at all- it was purely for [we now have the funds to fund an army].


Golems Lots of golems to do your bidding.


PossibleCabbage wrote:

+5 Tome in your mainstat.

They say you shouldn't buy these (since they don't upgrade on each other) until you can afford them. Now you can afford them. That leaves you with 60k to spend on gear, which puts you closer to "normal" range (not very close mind you, but a lot closer.)

This. If you go out and spend the money on fantastic equipment to cover every conceivable circumstance, etc. the game will quickly become stale and boring. Instead buy wishes or Tomes and buff up your stats so you are a superhuman, and then go with normal equipment progression. You will still be awesome, but there may still be challenges for you as your character grows.

Starting a guildhouse or something similar would also be a good way to go, as you will start gaining fame and respect...but watch out because running such a thing requires a lot of out-of-game work as you start going through the rulesets for such.


Pathfinder Maps, Pawns Subscriber; Pathfinder Roleplaying Game Superscriber; Starfinder Charter Superscriber

Take all of those gold coins, put them in several socks to make saps. Pass the saps out to your fellow players. Sock your GM for "doing it wrong." /jk

In all seriousness, maybe you should invest it into downtime businesses and the like. Build a business empire and I estimate you will recoup the investment loss inside of a thousand days (assuming you simply buy everything at the start rather than spending time to build it up) then start turning major profit in the long run.

Alternatively, buy land and start your own kingdom. That's so much money that if you guys pooled it together (or even if you didn't) you could really break into the Kingdom Building rules in Ultimate Campaign and be your own rulers, just like in Kingmaker. Might lead to a slew of fun new adventures in its own right.

If you all pool your funds and start the kingdom from scratch, without a sponsor, and start small, you could potentially have 1,000 starting BP. That's enough to potentially cover an area of 23,750 square miles with roads and working farms!

Not only will this bring you political power, you can very quickly build your way up to having your own armies, a people who adore you, etc.


Buy the best gear you can and then wait...
That sneaky DM is up to something.


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Pathfinder Maps, Pawns Subscriber; Pathfinder Roleplaying Game Superscriber; Starfinder Charter Superscriber
Captain Kuro wrote:

Buy the best gear you can and then wait...

That sneaky DM is up to something.

If you're genuinely worried the GM is up to something, it might be best to invest in manuals, toms, and wishes, which can't be taken away from you once used.

Starting a business empire or a kingdom would also be good, since those are substantially harder to take away from you than say, a few handheld magical items.


I would retire to Blackmoore and build an inn.

YMMV

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