how to learn how to spend treasure

[ohako]

So, these days I pretty much play PFS, but there's a level of advice that I can't seem to find anywhere easily. How should you spend your character's treasure?

I have one 7th level character, and this is riiight around where a lot of cash comes in for a ton of low-level doodads. +1 or +2 weapons or armor, cloaks of resistance, various amulets, what-have-you.

I want to know that when I spend gold, I'm spending it in an efficient way, rather than a haphazard way. Ugh, sort of like how I pick funds for my 401(k) account. (For balance, I'm not entirely sure that I shouldn't just dump it into gold and bullets, but anyway...)

I have this from the 3.5 Player's Handbook II.

1) For a character who is not a sorcerer or wizard, spend about 50% of your treasure on your weapon.
2) Spend 3/4 of the remainder (so, 37.5%) on your armor or shield (or both).
3) Spend the rest mostly on the other 4 of the big 6. (The book suggests a stat booster.)

That sound right? Out of 10,000gp, 5K towards a weapon (could be adamantine, or magic, or maybe both), 3.75K towards armor (+1, maybe light mithral), and 1.25K towards consumables and a few hundred towards an amulet or ring or something.

Anyway, aside from that. Where else has information like this?
Sorry if I'm rambling.

[Chess Pwn]

By and large the thing you use money for is the big core items

Weapon, armor, shield, belt of stat(s), headband of stat(s), ring of protection, amulet of natural armor, cloak of resistance.

A lv7 pfs character should have about 23500 total gold.

An example, at starting lv7 for a martial character I'll have a +2 belt, weapon+1, armor+2 ring+1, amulet+1, cloak+2 and be 1 scenario away from making the weapon a +2.

Caster people will probably not go weapon and/or armor and go with some rods and scrolls and wands.

[Fuzzy-Wuzzy]

The CRB has a little to say about it after the WBL table.

Gamemastering wrote:

Table: Character Wealth by Level can also be used to budget gear for characters starting above 1st level, such as a new character created to replace a dead one. Characters should spend no more than half their total wealth on any single item. For a balanced approach, PCs that are built after 1st level should spend no more than 25% of their wealth on weapons, 25% on armor and protective devices, 25% on other magic items, 15% on disposable items like potions, scrolls, and wands, and 10% on ordinary gear and coins. Different character types might spend their wealth differently than these percentages suggest; for example, arcane casters might spend very little on weapons but a great deal more on other magic items and disposable items.

Obviously you're not really building a 7th-level character from scratch, but those percentages might be a decent start anyway.

[blahpers]

Whatever you feel like you need.

[Heather 540]

It depends on race and class, of course. A human with 15 Str is going to need Muleback Cords a lot less than a halfling with 10 Str. In my current game, I have a +1 Scimitar with Frost, an Alchemical Silver Kunai, +1 Chain Coat, and 2 wands - CLW and Stone Call. My boar companion +2 Tusk Blades and Cloak of Resistance +2. I will be enchanting his armor and my weapon again later.

[ohako]

23500gp to start. let's see

5875 for a weapon and for armor and for 'other stuff'

+1 weapon or maybe +1 with an extra like adamantine

+2 armor or +1 light mithral maybe

a belt +2 and a cloak +1 for other stuff

3525 for disposables. That miiight be close to what I've spent so far. I did get a potion of flight, and that felt very pricey.

2350 for ordinary gear? no way have I spent that much on normal kit.

alright, I guess so far I'm not as haphazard as I thought, and I like the 25/25/25/15/10 rule there. Thanks.

[GM Cwethan]

Don't forget that a lot of consumables and backup items can be acquired with prestige points - level 1 wands, level 3 potions, (scrolls as kind of an in between) - if it's 750 or less it's only two prestige points away!