BrOAGS Starting Wealth

This article is part of the rules of BrOAGS.

Low Starting Wealth

By default BrOAGS characters start with about £500,000 (adjusted for inflation in games set anywhere other than early 21st century Earth) in assets. This is defined as Personal Fortune Rank 0. It will typically allow the character to own a nice house or very nice apartment, an expensive sports car and/or motorbike and plenty of weaponry, including military weaponry with enough liquid cash left over to eat at good restaurants and bribe informants.

This wealth level can be raised by the Personal Fortune Background Advantage. However, GMs may wish to start PCs with less money. If the GM chooses to lower the default Personal Fortune to less than Rank 0, it must be bought up to Rank 0 before it can be bought up to Rank 1 or higher. For instance, suppose a GM decides to run a game where the default Personal Fortune is Rank -3 (£500 in assets). In such a game, a character can buy 2 Ranks of Personal Fortune for 10cp and start the game with Personal Fortune Rank-1 (£50,000 in assets). Note that you cannot buy your Personal Fortune down from the GM-set default, as some form of Disadvantage, only up.

Negative Rank Description

Rank -1: The character has about £50,000 in assets. He will typically have a rented flat or house, with a year's rent paid in advance. He can afford a car, a computer and a fair supply of weapons, though some more expensive military hardware will be tricky to afford on this kind of budget. A young professional will typically have this level of wealth.

Rank -2: The character has about £5,000 in assets. He will typically have a rented flat or small house, with 6 months rent paid in advance. He can afford some, but probably not all, of the following: a few non-military firearms, a cheap car or motorbike, a nice computer. A student will typically have this level of wealth.

Rank -3: The character has about £500 in assets. He will typically be about to be kicked out of his rented accommodation. He probably has enough food to eat for a couple of weeks, a suitcase of clothes and perhaps £75 in cash. Alternatively, he can afford a single non-military firearm if he has no other possession, including clothing (this might be appropriate for characters with amnesia). This level of wealth fits the stereotype of the the broke PI who needs a case badly.

Rank -4: The character has about £50 in assets. He will be homeless. He will likely have the clothes on his back, including a thick coat and maybe £25 in cash. Most homeless people have this level of wealth.

Rank -5: The character has about £5 in assets. He is homeless and doing badly even by those standards. He owns trousers, a vest, underpants, socks and either a jumper or shoes. If the game is starts in winter, he may have difficulty surviving the first night. This is as low as Personal Fortune gets.