this post was submitted on 05 Nov 2023
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When we played Waterdeep Dragonheist I let my party keep 10% of the embezzlement money when they reported it to the city watch. That's 50 000 good pieces. Didn't derail the following campaign at all. DMs should stop being scared to give out some fat loot occasionally when appropriate.
Anytime the DM lets me get a lot of money I try to spend most of it on bling. Or at least not minmax too much with it
Why not both ?
I think the big problem is if you give the players too much money, then they have all the money they'd ever want, and it's harder to reward them with money in the future. Of course, if you don't reward them with money now, that just means you get that problem earlier.
I think the bigger problem is when you dangle a hoard in front of them and then make some bad excuse for why they can't get it. That's a bigger disappointment imo.
I encourage them to buy castles and land.
Free plothooks and reasonable things for the players to sink gold into.
If you play 5e, I would encourage you to check out the most recent UA play test with bastions.
Please be my DM
Adventuring is costly, make them blow all that hard earned loot on heals and buffs and a trip to the tavern where they have too much to drink and mugged.
If you give them things to buy with that money it can be fun. You can also have an ingame reason for that money. Like having a dragon threaten a kingdom for a humangus sum of money and it becomes an objective. The fun thing about it is, what happens if they keep some of it ? A lot of it ? Just bail and leave the kingdom to rot ?