49 Ways To Spend Gold In DnD (Don’t Miss)

What do you spend money on in dnd 5e role playing game? From this article, i’am going to explain you 49 ways to spend gold in D&D. Of course there are so many ways to spend your wealth/economy in 5th edition role playing game. But i have taken some of them.

Everyday ExpensesLuxury ExpensesAdventurer Expenses
ShelterFancy ShelterWeapons
FoodFancy FoodArmor
TransportationFancy TransportationAdventuring gear
ClothingFancy ClothingTool Sets
HomegoodsBeautyGear maintenance
HygieneJewelryCustom gear
HealthcareArtAugmented gear
EducationBooksEnchanted gear
RetirementCaretakersSpell components
EntertainmentMagic items
Family SupportContest/admission

Here i actually have 49 categories split into three sections and now we are going to dive right in with the most monday: Everyday Expenses.

1. Shelter: I love the outdoors, but i definitely don’t feel like i’m at my max hit points with all of my spell slots after sleeping on the ground. Especially, if it is hot and humid or cold or rainy. And i doubt your party even has a tent, so consider redefining a long rest to require a comfortable night’s sleep, probably at an inn. But your ranger or characters who grew up in the wilderness are A-okay!

Now Speaking of those Outlanders then it’s definitely food.

2. Food: As written, the characters with the outlander background automatically find “food and fresh water [for themselves] and up to 5 other people each day” as long as it’s available and that’s so much good! instead you could have that max number of people equal their survival skill bonus, and/or have them make a check with some advantage to find it over the course of an hour or two.

3. Transportation: And they are probably just walking around, so give your party the chance to buy some cheap horses or tame some cool wild animals, and sweeten the deal by making mounted travel be like 3x faster than walking, But they are now have to find or buy food for their mounts too.

4. Clothing: The adventurer’s are living outside, constantly being attacked, yet their clothes never wear out? they should need to wash, repair, or replace their clothing pretty often.

5. Homegoods: Your party may not have a house, but they would still need stuff like cookware and soap for life on the road.

6. Hygiene: Speaking of soap, bathhouses are a thing that your setting should have in big enough towns that still do not have running water, so your dirty vagabond adventurers can occasionally clean themselves and still stay healthy.

7. Healthcare: When was the last time of your PCs sprained their ankle, broke their collarbone, or caught a cold? Medicine is not free, and if they do not have a cleric, they may need to pay one!

8. Education: Now, unfortunately for Bardy McFly, bard college tuition is not free either!

9. Interest: That NPC who gave them a loan wants their money back, with interest!

10. Taxes: Of course the government wants a piece too, so your PCs may have to pay taxes or at least some kind of adventuring license or guild membership,

11. Retirement: Unless your PCs are planning to die on one of these adventures, they should be stocking away some money for when they’re no longer fit to run around slaying monsters!

And if they do save up way more than they need, your party might be in the market for our next level of ways to spend gold:Luxury Expenses!

The stuff lots of people spend their money on whether or not they can really afford it.

12. Fancy Shelter: Sure that humble cottage is in their range, but why not splurge on a villa in the countryside!

13. Fancy Food: Create some exotic delicacies for your world that come at ridiculous prices because they are extremely rare or they can only be crafted by the finest chefs in the land.

14. Fancy Transportation: This is where they buy a well-trained griffon, a nice boat, or maybe even an airship– go nuts!

15. Fancy Clothing: They will need overpriced clothing to keep up appearances.

16. Beauty: Maybe even hire a stylist to take care of this for them.

17. Jewelry: A jeweler to turn the many gems they found into something fashionable and fabulous!

18. Art: Then why not commission for a custom portrait to adorn their sitting room?

19. Books: Buy a bunch of books to go along with the art and make sure everyone knows they’re intelligent and cultured.

20. Pets: Buying some exotic pets, or even huge monsters to train with.

21. Trainer: If they can not quite afford monsters, they can probably hire a personal to spar with.

22. Caretakers: They would definitely hire people to cook and clean, and take care of their properties and animals and their properties.

23. Entertainment: May be even bards and minstrels to replay their fantastic tales of adventure, or they would go to the theater or the arena in the best seats available!

24. Gambling: But hopefully, the arena does not have them gambling away all their hard-earned loot!

25. Donations: It would be much better, if they donated some of it to causes they believe in, and adventurers with any amount of wealth can give a little.

26. Family Support: In fact, they will probably have family members and friends, or even children they can support with their vast wealth.

27. Gifts:  Whether or not they’re directly supporting others, it’s nice to buy people, treat yourself once in a while!

Now the final section of our list, Adventurer Expenses: Some of these categories are certainly things you’re familiar with such as:

28. Weapons

29. Armor

30. Adventuring gear like rope and torches

31. Tool Sets: Which are a little underrated. Xanathar’s guide to everything has an inspiring section about what these kits actually contain and how they can be used for, For an instance,

32. Gear maintenance: Knock out the dents in your helmet, oil your leathers or make your own custom gear.

33. Custom gear: Forge the katana you have always wanted, or a small and light buckler shield, or spiked armor for your hippogriff!

34. Augmented gear: Have your arrowheads silvered, or encrust the hilt of your sword with gems!

35. Enchanted gear: Probably, the magical gemstones to enchant your weapon with an extra damage type! and speed up your combat.

36. Scrollcraft: While you’re at it the wizard craft their own spell scrolls for other casters to use!

37. Potioncraft: And the cleric can finally learn how to brew up some healing potions! These consumable items often make better treasure than gold because they are immediately useful to the party!

38. Spell components: Likewise that diamond you put into your sword can also be used to resurrect someone with a revivify spell. And the list would not be complete with the magic items.

39. Magic items: Even in a low magic setting, there can be one well-defended vault of magical goods owned by an emperor or retired adventurer, so the party has the place where they can buy the magic items and sell the ones they just an not find a use for.

Or if you’re totally against to the magic items, you should drop in poison.

40. Poison: This way your rogue won’t have to worry about inexplicably missing an attack roll against a sleeping enemy, just put some serpent venom in their food and you’re good to go! but wait, they never took proficiency in the poisoner’s kit?

41. Proficiencies: Your PCs can also buy books or hire instructors to gain new proficiencies for weapons, armor, tools, instruments, skills, or languages! This makes for a great downtime activity, and why not have them put those new skills to the test?

42. Contest/admission: They can enter an arena tournament, a carnival pie eating contest, or maybe there is just a city in your setting that requires payment for entry. Regarding this kind of payment, somehow we have not talked about bribes yet!

43. Bribes: Whether it is getting someone to talk or keeping them quiet. Bribes and blackmail are a great tool of any adventurer tool kit. Then whether through bribes or more legitimate channels, your party could buy a business or start their own.

44. Business: A tavern, farm, brewery, bakery..etc

45. Home: The wizard can build a home! such as it could be a wizard tower, druid grove, monk temple, or even a castle with their own dungeon!

46. Philanthropy/Services: They can open a school, an animal shelter, or an orphanage for all of those other would be an adventurers who lost their parents to goblin raids! And if your players really want something like this in the world, then its usually the best to let them do the worldbuilding.

47. Title: If they have enough land, your characters can be lords that show up in your next campaign!

48. Lands: Buying more land is easier than fighting for it, and then the money stays in your new kingdom!

49: Immortality: And with enough gold, enough power, your character can become the next big bad evil guy!!

Hey folks i hope you’ve got so many ideas to how to spend gold in dnd and what should you spend your dnd gold on?

These are the ways to how you can use gold in dungeons and dragons? just leave your comment below by answering to this question is gold useless in dnd?

Leave a Comment