This is the first draft of a little something we are working on, and I figure some comments would be useful.
These rules are intended for a new 'Traveller-adjacent' game rather than a future Core Rulebook (yeah, you can probably guess which game it is
). They are going to be used for a modern/very near future setting, one that is really not centred on the acquisition of money and gears at all - so, it needs to be short and sweet, just to fill in the gaps where players are on their own and need to buy stuff.
The WEL characteristic is rolled for on 2D as with other characteristics, and might change by a point or two (no more) during creation.
In the normal course of events, an Operative’s cell will provide everything they need to engage in their missions – food, equipment, medical care, and even a degree of entertainment resources for the rare amount of downtime. However, there may be instances in the field when an Operative needs to fund an aspect of a mission due to unexpected circumstances or a disagreement with their orders on how it should be accomplished. In such cases, WEL is used to make purchases and define the life style an Operative might expect when separated from the resources available to their cell.
The Wealth table provides an indication of the social position that an Operative’s own finances places them (and likely any immediate family as well). Note that a multi-millionaire (as defined with Dollars, Pounds or Euros) likely means something in the region of 2D3 millions, no more, and remember that a million is not what it used to be. No one gets to be truly rich.
Wealth
· An Operative may purchase a single item or service whose Purchase score is equal to or less than their own WEL (subject to the item’s availability).
· An Operative may purchase a single item or service whose Purchase score is one higher than their own WEL once a year. Each additional time they purchase an item of the same Purchase score in the same year, their WEL is reduced by -1
· An Operative may purchase a single item or service whose Purchase score is two higher than their own WEL once a year. Each additional time they purchase an item of the same Purchase score in the same year, their WEL is reduced by -2
Operatives may wish to buy items or services in quantity. For every ten such items bought within the same month, their Purchase score is increased by +1.
These rules are intended for a new 'Traveller-adjacent' game rather than a future Core Rulebook (yeah, you can probably guess which game it is

The WEL characteristic is rolled for on 2D as with other characteristics, and might change by a point or two (no more) during creation.
Wealth
The life of an Operative, perpetually one of constant danger, allows little time to relax and enjoy a quiet life. Instead of needing every Operative to track funds across multiple currencies as they travel the world, they instead have a Wealth (WEL) characteristic that defines their own personal financial resources.In the normal course of events, an Operative’s cell will provide everything they need to engage in their missions – food, equipment, medical care, and even a degree of entertainment resources for the rare amount of downtime. However, there may be instances in the field when an Operative needs to fund an aspect of a mission due to unexpected circumstances or a disagreement with their orders on how it should be accomplished. In such cases, WEL is used to make purchases and define the life style an Operative might expect when separated from the resources available to their cell.
The Wealth table provides an indication of the social position that an Operative’s own finances places them (and likely any immediate family as well). Note that a multi-millionaire (as defined with Dollars, Pounds or Euros) likely means something in the region of 2D3 millions, no more, and remember that a million is not what it used to be. No one gets to be truly rich.
Wealth
WEL | Social Standing |
2 or less | Destitute |
3 | Very Poor |
4 | Poor |
5 | In Serious Debt |
6 | Making do |
7 | Struggling |
8 | Working Class |
9 | Middle Class |
10 | Comfortable |
11 | Millionaire |
12 | Multi-millionaire |
Making Purchases
Whether it is online or at a physical location, an Operative can make purchases of items or services. Each such item or service has a Purchase score which is compared to the Operative’s WEL.· An Operative may purchase a single item or service whose Purchase score is equal to or less than their own WEL (subject to the item’s availability).
· An Operative may purchase a single item or service whose Purchase score is one higher than their own WEL once a year. Each additional time they purchase an item of the same Purchase score in the same year, their WEL is reduced by -1
· An Operative may purchase a single item or service whose Purchase score is two higher than their own WEL once a year. Each additional time they purchase an item of the same Purchase score in the same year, their WEL is reduced by -2
Operatives may wish to buy items or services in quantity. For every ten such items bought within the same month, their Purchase score is increased by +1.