# Per Capita Income vs Cost of Living vs Tech Level

#### MasterGwydion

##### Banded Mongoose
Hi all! So I was doing some world building and seem to have hit a snag that I am not sure of the meaning of.

GURPS Far Trader pg.14, the "Gross World Product & Per-Capita Income says that the per capita income for a TL-15 (TL-12 in GURPS) is 15,000Cr or 1,250Cr/month

The MgT2 2022 Core Rulebook update pg.98, the Standard of Living for an average SOC (6) is 1,200Cr/month

GURPS Far Trader pg.48 has a Currency Conversion Chart TL-15 is 1

So in this example everything works perfectly (within 50Cr/mo. Close enough.)

For TL-6

GT:FT pg.14 per capita income is 895Cr or (roughly) 75Cr/mo

MgT2 2022 pg.98 Still says 1,200Cr/month

GT:FT pg.48 lists the conversion factor for TL-6 as 0.05.

So at TL-6 these numbers come out as 15Cr/month over the Average per Capita putting the Average per Capita in the SOC-7 Range as opposed to SOC-6 which would be the "Average OTU SOC Level"

So, I am not sure what all this means, but it seems to mean that the average people from TL-6 worlds should be given a SOC+1 at character creation to bring them in line with their peers.

Anyone have any thoughts as to how I can reconcile these things? Ideally, without having to completely redesign the entire OTU...lol... but if I have to, I have to. I am curious how different planets differ in their economies, For example, What is the cost of a TL-12 Grav Car produced on a TL-15 world and then sold on a TL-10 world? That is just an example of the reasons I am exploring this rabbit hole. Please don't actually answer the Grav Car question. lol

Edited to repair My failure to input the proper SOC numbers and to explain part of the reasoning in My curiosity.

#### NOLATrav

##### Banded Mongoose
Hm, well MgT 2e 2022 shows monthly expenses for SOC 8 as Cr2,000 per month and yes, SOC 6 as Cr1,200 per month. SOC 10 is listed at Cr2,500 per month.

So any TL adjustments would still show a difference between SOC 6 and SOC 8 as well as SOC 10... unless I'm completely missing something.

TL 15 (CF = 1)
SOC 6 = Cr1,200
SOC 8 = Cr2,000
SOC 10 = Cr2,500

TL 6 (CF = 0.05)
SOC 6 = Cr60
SOC 8 = Cr100
SOC 10 = Cr125

Quite the jump if I'm doing this right. Haven't looked at G:FT in ages so likely I am messing it up :? At any rate, the different SOC levels you mention have increasing costs and that should come out in the TL conversion as well.

#### MasterGwydion

##### Banded Mongoose
NOLATrav said:
Hm, well MgT 2e 2022 shows monthly expenses for SOC 8 as Cr2,000 per month and yes, SOC 6 as Cr1,200 per month. SOC 10 is listed at Cr2,500 per month.

So any TL adjustments would still show a difference between SOC 6 and SOC 8 as well as SOC 10... unless I'm completely missing something.

TL 15 (CF = 1)
SOC 6 = Cr1,200
SOC 8 = Cr2,000
SOC 10 = Cr2,500

TL 6 (CF = 0.05)
SOC 6 = Cr60
SOC 8 = Cr100
SOC 10 = Cr125

Quite the jump if I'm doing this right. Haven't looked at G:FT in ages so likely I am messing it up :? At any rate, the different SOC levels you mention have increasing costs and that should come out in the TL conversion as well.

I messed up the SOC numbers in the OP. I fixed them. Try running the numbers again. Apologies for My being incorrect in the OP.

#### NOLATrav

##### Banded Mongoose
No worries! It’s something that’s been on my mind actually but I’ve been neglecting.

Cheers

#### MasterGwydion

##### Banded Mongoose
NOLATrav said:
No worries! It’s something that’s been on my mind actually but I’ve been neglecting.

Cheers

I've been recovering from surgery, so I had way too much time on My hands...lol...

#### Condottiere

##### Emperor Mongoose
It's regional, and you divide the pie by board and lodging, entertainment, taxation, and savings and investment (assuming you see offspring as either investment, entertainment, or social obligation).

Technology can simplify or complicate life and expenses thereof, with labour saving devices or complex home entertainment centres.

You could live in the middle of a forest, in which case an air/raft might be a requirement, or on a buffered planetoid, where you pay for the air you breathe.

#### MasterGwydion

##### Banded Mongoose
Condottiere said:
It's regional, and you divide the pie by board and lodging, entertainment, taxation, and savings and investment (assuming you see offspring as either investment, entertainment, or social obligation).

Technology can simplify or complicate life and expenses thereof, with labour saving devices or complex home entertainment centres.

You could live in the middle of a forest, in which case an air/raft might be a requirement, or on a buffered planetoid, where you pay for the air you breathe.

Obviously given the Standard of Living rules as written, We have to assume that all of that is already baked in to the Standard of Living Chart and then possibly modified by Tech Level. Additional expenses such as Life Support would already be included in the Standard of Living on non-ideal worlds. For example if the world magically developed an atmosphere, the "theoretical negative modifier" goes away, potentially raising the Standard of Living to the next category. Obviously, this is not a realistic example, but My only guess on that is the Additional Expenses are already factored in and that the writers merely never published to formula, or they hand-waived and it exists but was never defined.

I just realized that if you do the math for 2019 Earth using the median per capita income of the United States (\$36,000), and TL8 (Currency Exchange Rate of 0.075) you get about Cr2,700/year or Cr225/month, giving 2019 Earth an average SOC-1 and a Rich Terran from 2019 at SOC-3 (Cr938/month) lol

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