profit system

P.R.O.F.I.T.S

In the Passive Returns and Opportunities for Financial Investment and Treasure (P.R.O.F.I.T) System (or simply P.R.O.F.I.T.S for short), characters have the opportunity to engage in various financial endeavors, each tier representing a different level of risk. This system is designed to be straightforward, providing characters with options to pursue low, medium, or high-risk financial activities during campaign downtime.

Low Risk: Stable Employment

Characters opt for stable employment, taking on a regular job in the city or performing services for a reliable employer. The type of employment can be anything but should be something fitting for the individual character.

• Risk: Low
• Gain: Characters receive a steady income, providing a reliable but moderate financial growth.
• Loss: Minimal, as the stability of the job ensures a consistent income, but the potential for significant wealth accumulation is limited.

Medium Risk: Investment Ventures

Characters decide to invest their funds in businesses, properties, or ventures that offer potential returns over time.

• Risk: Moderate
• Gain: Medium to high potential returns, with profits increasing as the investment matures.
• Loss: There's a chance of losing a portion or the entirety of the invested capital if the venture faces challenges or fails.

High Risk: Games of Chance and Gambling

Characters engage in high-stakes games of chance, placing bets or participating in gambling activities.

• Risk: High
• Gain: High potential returns, with the possibility of substantial wealth gained through luck or skill.
• Loss: Significant, as characters risk losing their entire wager or investment in the unpredictable world of gambling.

Financial Growth Mechanics

At the end of each downtime period, characters declare their chosen financial activity (Low Risk, Medium Risk, or High Risk). The Dungeon Master determines the outcome based on the chosen tier, taking into account the associated risks and potential gains or losses. For simplicity, you can only pick one risk category per downtime period. A dice roll or a predetermined probability can be used to simulate the unpredictability of financial activities, especially in medium and high-risk scenarios. Characters can accumulate wealth over time, and their financial decisions may influence their lifestyle, ability to purchase items, or engage in other significant activities. The Financial Growth System aims to provide a balance between simplicity and engagement, offering characters diverse opportunities to navigate the financial landscape in the campaign.

Low Risk

Roll 1d20, The result will determine financial change.

• 1) No financial change.
• 2 to 7) Gain 1d6 gold.
• 8 to 13) Gain 2d6 gold.
• 14 to 19) Gain 3d6 gold.
• 20) Gain 25 gold.

Medium Risk

Choose a portion of your finances to invest. Roll 1d20, The result will determine financial change based on a percentage of the chosen finances.

• 1 to 2) You lose all invested money.
• 3 to 5) You lose 25% of the invested money.
• 6 to 9) No financial change.
• 10 to 15) You gain 125% of the invested money.
• 16 to 19) You gain 150% of the invested money.
• 20) You gain 200% of the invested money.

High Risk

Choose a portion of your finances to gamble with. Roll 1d20, The result will determine financial change based on a percentage of the chosen finances.

• 1 to 5) You lose all gambled money.
• 6 to 10) You lose 50% of the gambled money.
• 11 to 15) No financial change.
• 16 to 18) You gain 150% of the gambled money.
• 19) You gain 200% of the gambled money.
• 20) You gain 500% of the gambled money.