Lifestyle Expenses


Between adventures, your DM will tell you how long your downtime in-game has spanned, and you can choose a lifestyle from the Expenses table and pay the price to sustain that lifestyle. This covers your accommodations, food and drink, and all your other necessities. Furthermore, expenses cover the cost of maintaining your equipment so you can be ready
when adventure next calls.

The prices listed are per day, so if you wish to calculate the cost of your chosen lifestyle, multiply it by the number of days that have passed. Your lifestyle might change from one period to the next, based on the funds you have at your disposal, or you might maintain the same lifestyle throughout your character’s career.

Your lifestyle choice can have consequences. Maintaining a wealthy lifestyle might help you make contacts with the rich and powerful, though you run the risk of attracting thieves. Likewise, living frugally might help you avoid criminals, but you are unlikely to make powerful connections.


Lifestyle Cost per day
Wretched1 - RISK: Violence, disease, theft, hunger, inhumane conditions.
Squalid2 1 sp RISK: Violence, disease, theft, hunger.
Poor3 2 sp RISK: Violence, disease, theft.
Stay in Manor 5 sp Permission to stay must be granted by home owner.
Modest4 1 gp
Comfortable5 2 gp
Wealthy6 4 gp RISK: Theft
Aristocratic7 10 gp min RISK: Theft
Professional8 - Work jobs for “Modest”, “Comfortable” or “Wealthy” lifestyle.
Self-sufficient9 - Live off land for “Poor”, or “Comfortable” lifestyle.

1 Wretched. You live in inhumane conditions. With no place to call home, you shelter wherever you can, sneaking into barns, huddling in old crates, and relying on the good graces of people better off than you. A wretched lifestyle presents abundant dangers. Violence, disease, and hunger follow you wherever you go. Other wretched people covet your armor, weapons, and adventuring gear, which represent a fortune by their standards. You are beneath the notice of most people.

2 Squalid. You live in a leaky stable, a mud-floored hut just outside town, or a vermin-infested boarding house in the worst part of town. You have shelter from the elements, but you live in a desperate and often violent environment, in places rife with disease, hunger, and misfortune. You are beneath the notice of most people, and you have few legal protections. Most people at this lifestyle level have suffered some terrible setback. They might be disturbed, marked as exiles, or suffer from disease.

3 Poor. A poor lifestyle means going without the comforts available in a stable community. Simple food and lodgings, threadbare clothing, and unpredictable conditions result in a sufficient, though probably unpleasant, experience. Your accommodations might be a room in a flophouse or in the common room above a tavern. You benefit from some legal protections, but you still have to contend with violence, crime, and disease. People at this lifestyle level tend to be unskilled laborers, costermongers, peddlers, thieves, mercenaries, and other disreputable types.

4 Modest. A modest lifestyle keeps you out of the slums and ensures that you can maintain your equipment. You live in an older part of town, renting a room in a boarding house, inn, or temple. You don’t go hungry or thirsty, and your living conditions are clean, if simple. Ordinary people living modest lifestyles include soldiers with families, laborers, students, priests, hedge wizards, and the like.

5 Comfortable. Choosing a comfortable lifestyle means that you can afford nicer clothing and can easily maintain your equipment. You live in a small cottage in a middle-class neighborhood or in a private room at a fine inn. You associate with merchants, skilled tradespeople, and military officers.

6 Wealthy. Choosing a wealthy lifestyle means living a life of luxury, though you might not have achieved the social status associated with the old money of nobility or royalty. You live a lifestyle comparable to that of a highly successful merchant, a favored servant of the
royalty, or the owner of a few small businesses. You have respectable lodgings, usually a spacious home in a good part of town or a comfortable suite at a fine inn. You likely have a small staff of servants.

7 Aristocratic. You live a life of plenty and comfort. You move in circles populated by the most powerful people in the community. You have excellent lodgings, perhaps a townhouse in the nicest part of town or rooms in the finest inn. You dine at the best restaurants, retain the most skilled and fashionable tailor, and have servants attending to your every need. You receive invitations to the social gatherings of the rich and powerful, and spend evenings in the company of politicians, guild leaders, high priests, and nobility. You must also contend with the highest levels of deceit and treachery. The wealthier you are, the greater the chance you will be drawn into political intrigue as a pawn or participant.

8 Professional. You can work between adventures, allowing you to maintain a “Modest” lifestyle. If you are a member of an organization that can provide gainful employment, you earn enough to support a “Comfortable” lifestyle instead. If you have proficiency in the Performance skill and put your performance skill to use during your downtime, you earn enough to support a “Wealthy” lifestyle instead.
* If chosen, select Practising a Profession as one of your Downtime Activities.

9 Self-sufficient. Some characters might prefer to spend their time away from civilization, sustaining themselves in the wild by hunting, foraging, and repairing their own gear. Maintaining this kind of lifestyle doesn’t require you to spend any coin, but it is time-consuming and you can eke out the equivalent of a “Poor” lifestyle. Proficiency in the Survival skill lets you live at the equivalent of a “Comfortable” lifestyle.
* If chosen, select Practising Self-Sufficiency as one of your Downtime Activities.

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Lifestyle Expenses

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