What To Spend Money On In 5e
Featured D&D 5e gold spending art is a combination of images by Wizards of the Coast from Acquisitions Incorporated.
This article contains chapter links that add together gold to our coffers.
I've noticed a common complaint with D&D 5e'southward gold and wealth system, specifically that it doesn't matter. I've never had issues spending my golden at depression or loftier levels of play, so I want to share how I spend gold in my D&D 5e games. My goal is to help DMs ready players with exciting wealth uses, and inspire players to notice creative, industrious uses for their gold. I'm going to share how I invest my coins to avert carrying them around while I'yard encumbered past thousands of coins.
Wealth is not treated as in every 5e game. I played in a game recently where all our wealth was causeless; the DM didn't give usa gilt, treatment each inquiry of wealth and spending every bit they came. In that location are many other means of playing the game and handling wealth, simply I prefer the archetype arrangement of characters having gilded. Let's plow that gold into value for your characters and fun for your players! My ideas and methods are non 1-size-fits-all, but I guarantee you'll discover a new idea or rediscover something you've forgotten or neglected.
Coinage
For anyone in need of a reminder, here are the exchange rates for D&D 5e coins per the PHB (or the SRD). Exchange rates come up more often than I predictable, qualifying as something I'm glad they taught me in schoolhouse. You must understand gold before you tin spend gilt!
Edifice and Developing Strongholds
The DMG p.126 begins the Recurring Expenses section with a table on the following folio. The tabular array provides budget costs for properties. If you're non using Strongholds & Followers, you lot might comprise this DMG table to develop your own property organization. Running a palace is expensive…
A few pages afterwards, DMG p.128 has cost and time to build various strongholds in the "Building a Stronghold" tabular array. Construction time tin can take years, and y'all'll demand to own holding. This incentivizes you to promote your deeds in the land so you lot may be eligible to purchase land or receive it as a souvenir from a kingdom. It'due south a lengthy process, for certain, just there's a lot you tin can do with a stronghold and a following.
Book Mention: Strongholds & Followers
A tertiary-party supplement exists to help you lot with stronghold systems. Matt Colville and his team at MCDM have produced an first-class volume, Strongholds & Followers, that expounds on strongholds that each class might develop and followers they may attract or rent. If y'all have gold, consider developing your own buildings and organizations to give you mechanical benefits and fresh opportunities. I turn to the book if I believe a player is interested in a stronghold and its benefits. As of this article'southward publication, MCDM is out of stock with hardcover copies. You can purchase their PDF version of Strongholds & Followers here (I do non receive a commission; I just like the volume).
D&D 5e doesn't take a robust organisation that is widely enjoyed past its community for building strongholds and developing followers (other than sidekicks in TCoE). I recommend discussing with your DM the ways you lot'd like to spend your gold this way. If you lot arroyo your DM with suggestions that save your DM piece of work, information technology'll be even improve for both of y'all. Your DM won't have a whole new organization to develop from scratch, and you'll get to take a hand in developing the organisation that works for your game group.
Strongholds aren't e'er fortresses; they can be Magician towers, Druid groves, Cleric temples, or Rogue criminal fronts. The type of system you lot establish tin grant you different benefits, depending on the system'south nature. One of the most interesting benefits I discovered was for Wizards to have a team of proteges who research magic to invent new spells or combine old ones. They might besides create spell scrolls for you lot while you're adventuring. Information technology's difficult for adventurers to observe downtime, but followers may accept plenty of it. Spending gold is easy when y'all have bills to pay.
Proteges, Wards, and Other Followers
Referring to the Strongholds & Followers book again, y'all can make bully utilise of followers with your gold and wealth. Creating a posse of followers will let y'all to count on them for the tasks yous don't take fourth dimension for. Many gold-spending methods I expound on in this commodity can be utilized readily when you accept a post-obit of pupils, employees, or otherwise. Spending gold is easy when yous're constantly Venmo-ing your friends!
Downtime'south greatest downfall is in its name: fourth dimension. Many easily brand light work, so use your followers! Establishing a base will allow your followers to research, build, sell, lookout man, and anything else you lot can think of. Give them the funds and support that they need, and they'll get the job washed while yous're away.
You can constitute a spy information network if yous are willing to pay for it. Loyalty is critical in a spy network, so you lot need to treat your followers well. They tin remain spread out if you don't need to locate them somewhere like a guildhall or fortress, merely you'll need methods of long-distance communication.
It'due south worth mentioning the Sidekicks organization from Tasha's. Parties with few members can benefit from developing sidekicks if they accept normally-weak friends. Opal ran a test campaign for me once upon a time. I was the solo thespian, and sidekicks were super fun to use. Yous don't have to pay to have a sidekick mechanically, but they fit this topic.
The DMG as well encourages players to utilize hirelings. PCs tin can hire NPCs by adding the cost to their lifestyle expenses.
Lifestyle Expenses
The PHB has rules for expenses based on lifestyle on page 157. I've seldom seen this system used in-game, so information technology'southward the definition of optional. Here's how lifestyle expenses can make your game amend! Once yous've established a business or thrown in with a guild of sorts, you may assume your dues and expenses are office of your lifestyle. Settling for squalid accommodations won't help you lot spend your gold, just it may assistance you go along a low profile in whatever metropolis you're lodging.
If you're paying your lifestyle expenses, the DM might mitt-wave particular checks for you or allow y'all to assume you have sure items, resources, or contacts in a moment of need. Paying for an aristocratic or wealthy lifestyle has its perks if you don't mind the visitor and upkeep. The book besides says of an aristocratic lifestyle that "you must also contend with the highest levels of deceit and treachery. The wealthier y'all are, the greater the chance you will be fatigued into political intrigue every bit a pawn or participant." That sounds like heaps of fun!
You may also apply the table for food, drinkable, and lodging on page 158 of the PHB to make friends very quickly (a lot of friends). Buy a round of drinks for everyone and meet how the ale greases palms to learn local secrets and rumors. Please bring a bottle of fine wine to the cool-guys table for a subtle approach to see what they know.
Mounts and Vehicles
Mounts are incredible in D&D 5e. They tin can carry heaps of weight, provide mobility, and more. Some of my favorite resources for mounted tactics include videos by Pack Tactics, Bilbrons & Dragons, and Treantmonk.
You can pay for exotic beasts of burden and fancy barding for them. Most mounts are horses or like creatures, only the PHB (p.157) has costs and other stats for you to buy elephant and camel mounts. You tin can obtain a diversity of creatures to become your mounts if y'all're savvy. Spending gold is easy when y'all desire to purchase or breed a perfect mountain for your graphic symbol.
Mounts commonly enable you lot to use land vehicles. Sleds are bachelor for snow conditions, and wagons are bachelor for the usual roads. Yous tin purchase war chariots or aristocratic carriages.
Massively important if you lot relish realistic carrying with encumbrance. After all, Strength oft feels inferior to Dexterity because jump distance, carrying capacity, pushing ability, and other Strength-based game mechanics are ignored or irrelevant.
Don't neglect seafaring vessels. The PHB (p.157) describes them in the same section as mounts. You can create a naval warship, a merchant vessel, a pirate ship, or anything else you tin can think of while navigating the waves.
By the manner, gold coins can get extremely heavy. Beasts of burden to help carry your loot later clearing a dungeon, lair, or encampment. Stuffing your pockets with aureate pieces will merely become y'all and then far. Many 5e players don't enforce encumbrance or spatial awareness. Pouches and backpacks are practically numberless of property in most gaming groups, assumedly expanding to carry all loot. I savor those conveying details, so I enforce them for myself instead of forcing other players to endure through it or cause the DM to fret over carrying capacities.
Preparation
There is an optional tool for DMs to brand leveling upwards feel more meaningful and purposeful. The DMG p.131 suggests requiring a menstruum of grooming with time and toll increasing every bit characters increase in level. This is a natural way to slow the game downwards and encourage downtime activities. Tell your DM if y'all're interested in this concept or if you remember it would help their gaming fashion.
I would recommend making the costs more expensive for full spellcasters and slightly more expensive for fractional spellcasters. It might make sense to brand multiclassing comparatively pricey. You tin go along the training time the same, but aureate costs may vary in whatever way makes sense to you.
I believe histrion characters can train to learn new skills, increase their stats, or proceeds a feat. Having said that, I recollect the costs and time commitments should exist great. Characters shouldn't become individually proficient at everything.
Applied Shopping
This won't break the bank, just if y'all go through the adventuring gear in the PHB, you can envision the types of supplies your grapheme would be using regularly or occasionally. I'm virtually to play in the Rime of the Frostmaiden entrada. I realized how much my character would want to spend on supplies like shovels, camping gear, and navigation tools for character creation. I also invested in a canis familiaris sled since I'1000 playing a Halfling Barbaric that needs to get around and won't conduct as much as medium-size creatures.
You can do this in any campaign to explore what your character would carry. Spend your gold on your authenticity! At that place is much roleplaying to be done when you take stuff. Spending your gold can be based on roleplaying. This is true to existent-life where people use wearable and things to express themselves. Even food can exist a roleplaying opportunity.
Buying Magic Items
Y'all don't require a stereotypical magic item shop to deal in magic items. Prominent nobles, merchants, lords, and other powerful people and monsters may be willing to function with magic items treasured past their households and groups. Finding a magic item can involve schmoozing with the right crowds, as I mentioned in my explanation of lifestyle expenses. Spending aureate is quick and easy when you lot tin purchase magic items.
Equally characters gain renown in the land with their deeds and words, they may gain an audience with those who influence the realms. Players may offer combinations of gold piles, errands, and alliances to earn relics and heirlooms.
There may exist odd arcane peddlers who travel the land looking for stooges. These may be sources of cursed or wicked items, leading to plotlines involving powerful entities (like the Warlock Hexblade patrons). At that place may be counterfeit items to create a game of cunning between observant, paranoid characters. In that location may be 18-carat items that unseen cabals seek (maybe it recently belonged to them until nimble fingers came creeping).
My point is that DMs tin can enable yous to use golden to movement the plot forth while obtaining magic items that arrange you lot. Try talking to your DM, then use your roleplaying chops to add story weight to the methods of arcane acquisition. You can reference the DMG for expectations on gold costs to obtain magic items by their rarity; DMs volition find this tabular array helpful.
Crafting Magic Items
We at Flutes Loot love to craft magic items. We have heaps of articles that the community has found very helpful for magic item crafting. You tin acquire how to create formulas, use full general crafting rules, and use specific items like wands and spell scrolls. I highly recommend you check out those articles to supplement this one. Spending gold is unproblematic when you're crafting magic items.
DMs handle arcane crafting in different ways. Some of them don't exercise it, while others heavily involve information technology. Enquire your DM how they handle magic item crafting. If your DM wants suggestions, you lot can provide them with the table beneath that summarizes the 5e rules for magic item crafting. The tabular array is a DMG guide past rarity and consumability of a given item. Consumable items are easier to create (half the time and gold), so I recommend creating potions and spell scrolls in your spare time.
Call up, you can hire NPCs to help you craft items to speed up the process. You'll spend more gilded to do so, but this article is about how players struggle to spend their gold. Saving fourth dimension and spending gold is preferred! I suggest dividing the crafting days by the number of crafters. Two hired crafters would create a spell scroll of Anoint in one mean solar day instead of two, only they would need at least one able crafter to cast Bless into the roll.
DMs may crave skilled labor to craft magic items. Your political party may need to have a proficient member with appropriate artisan tools for a given particular. NPCs may need to be similarly skilled workers, also. Potions may require alchemist supplies and/or proficiency with alchemist supplies, for example.
Spell Components
It's broiled into the game to have aureate equate to fabric components for powerful spells. Spellcasters know components tin can be expensive and elusive. Even non-spellcasters know the value of material components in the party, and so they would do well to assistance out their magical friends. Rare diamonds and other gemstones may crave searching for a seller if the components aren't found, mined, or otherwise harvested.
DMs can enjoy mixing up the types of materials needed for spells, then the usual gemstone of x gilt value doesn't get one-time. I wrote an article nearly swapping out diamonds and gems for items of greater involvement if you're interested. In addition to getting creative with what types of components are required, they can provide what I called 'enhanced spell components' as rewards to spellcasters. This is a concept I undoubtedly was not the first to create, but I did write about it, too. You tin can read about how DMs tin can provide culling components for spells that empower the spells beyond their usual potential.
Long-Term Spell Fixtures
You may take noticed in that location are crazy spells in D&D 5e for anyone with the luxury of wealth, a defensible dwelling, time, and magical capability. Though expensive when done in bulk, these spells are benign and, bluntly, terrifying in the easily of wealthy adventurers. Spending aureate is easy when you lot accept an arcane base to defend or develop.
Spending Golden with Glyph of Warding
The Glyph of Warding spell tin create traps with explosions or harmful stored spells. Alternatively, Spell Glyphs (an option of Glyph of Warding) tin can contain beneficial spells to save y'all spells slots and fourth dimension in moments of need. It's important to annotation that Glyphs of Warding can release concentration spells at their entire duration with no concentration required. A Wizard tin can gain the benefits of Haste by but stepping on the glyph and using a custom command give-and-take. At that place is much potential in this 3rd-level spell if you accept the ways.
Spending Gold with Symbol
Symbol spells require ane,000 gold worth of mercury, phosphorous, or powdered diamond and opal. This spell is bonkers. The casting time is one minute, and so you tin potentially use it while away from your save point… I mean, domicile base of operations. The Symbol spell is a strong trap spell that tin completely wipe out war parties and hostile groups. The area is massive and perpetual, and the Symbol remains until triggered or dispelled. If yous're sitting on a ton of cash, you tin can defend yourself very well with Symbol.
Spending Gold with Teleporation Circumvolve
Teleportation Circles can get permanent with enough time and magic chalk. If a spellcaster and/or its followers cast Teleportation Circumvolve in the same spot every day for one yr (bold the real-world 365 days). The benefit of a permanent circle is to exist able to teleport to a specific place reliably from anywhere on the same aeroplane of existence. It'll cost you lot 18,250 gold to permanently install your new bathroom Teleportation Circle.
Wizard Spell Investment
Spellbook looking empty? Help your Wizard help you by giving them more spells. You can purchase spell scrolls for your party'due south Wizard to re-create into their spellbook. Y'all might sponsor the procedure farther past roofing the costs incurred to experiment with a new spell and record its arcane signature in the volume. This can be an expensive process, and I think many players don't realize it. Assisting the party Wizard in learning more spells volition pay dividends every bit they'll be more prepared with the perfect spells when the time comes.
It'south fun for Magician players to learn pages and pages of spells. They desire to experiment with spells they had to laissez passer on when leveling up because there were better options for them. Just considering a spell isn't a top pick doesn't mean the Wizard player doesn't want it. Give your friend and young man player a hand past sponsoring their spell expansion! They might Haste y'all for your trouble.
Gifts and Bribes
Thousand gestures are available to you in the form of gifts. Spend your gold paying off someone'south house, adding extravagance to their wedding ceremony, or sending their gifted child to wizarding schoolhouse. Buy someone a dress afterwards seeing them wearable rags during the campaign. Sponsor the local militia with new weapons and armor to gain favor and preserve their lives.
Money makes friends. Look for opportunities to spend your gold in meaningful ways. You can have a massive touch on on NPCs' lives. They might erect a statue in your honor to pay homage to your generosity and valor.
You may as well focus on those around you. Your party members are worth investing in. Think of something meaningful to a party fellow member and seek it out. I believe souvenir-giving is far easier to do in D&D considering players rarely spend their money on practical, emotional things. They settle for the armor and weapon they desire without thinking about a decorative crest for their shield. You can put your painting skills to use by purchasing expensive paints and adding family emblems to a companion's holding.
Whether you lot surprise others with gifts or tell them your intentions upfront, you'll make more friends and lasting memories by sharing your wealth… or yous tin settle for greeting cards and souvenir cards to favorite taverns.
It'd be my folly to omit bribery! Y'all can go places (literally) by greasing a few palms with a handbag of coins. Violence and words are not your only options.
If y'all're playing a Feywild chance similar The Wild Beyond the Witchlight module, you'll want to learn how to give thoughtful gifts. Fey creatures love gifts.
Collections and Outfits
Many adventurers need an intervention. They run around like Scooby-Doo characters wearing the aforementioned things every day. They don't stop to wash, either. Your character can collect armor (think of Atomic number 26 Man'due south many suits), weapons, outfits, and anything else that might concur sentimental or fanciful value.
Information technology'south effortless to have extra supplies and collections if you lot have a dwelling house base of sorts. I spoke before nigh having a place to call dwelling house that you develop and run, which would exist a perfect place to go on your extra odds and ends. You tin create a museum to document your exploits and prove off your trinkets. Your dining hall tin can be adorned with tapestries depicting your mighty deeds, maybe just slightly embellished.
Bards can collect instruments. Druids tin can collect plants from lands far away, peculiarly exotic poisons. Artificers might keep their failed inventions or the botched constructs of other inventors. Barbarians might collect furs, skins, horns, skulls, fangs, and other bodily trophies.
Conclusion
I hope I inspired you to use your gold and work with your gaming group to do it! There are heaps of resource for you to reference if you desire mechanics and systems for spending your gold in diverse ways, but you tin can always homebrew your own systems or handle spending on a case-by-case footing. You lot can develop a post-obit, gain a reputation, build a stronghold, and craft items to requite your party an edge against foes.
Do you have money burning a pigsty in your pocket, and this article gave yous ideas to spend it? Let me know! Cast Message in the comments section below to tell me about how y'all spend gilt in your campaign.
Before yous go, I highly recommend our top-rated manufactures and categories as yous continue exploring D&D 5e. Have a lovely day!
- Top-read articles
- Crafting magic items
- Player resources
- DM resource
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