Wealthy Financier
Backgrounds; the often neglected and unappreciated component of character creation. The utility of backgrounds lie in the rich inspiration they offer a character's personality, backstories, that makes a character tick! Trent the Sewerman has taken the team's first crack at a background with the Wealthy Financier. Have you ever gone adventuring and found yourself so exorbitantly wealthy that you start throwing gold at NPCs? Well, with this background, make that the whole point! We hope this homebrew inspires characters who have taken up adventuring to accumulate wealth, pursue business deals, and financially support local communities!
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Wealthy Financier
You have spent your life acquiring a massive amount of wealth. Whether through inheritance or savvy business dealings, this fortune has come to be a part of your everyday life. This wealth has allowed you to finance a variety of business operations.
Work with your DM to determine the nature of this wealth and how you obtained it. Was this wealth handed to you or did you come from nothing? Have you made any enemies or business partners throughout your journey? Perhaps you had to betray someone important or influential along the way in order to ‘make it’ in the way that you have.
Skill Proficiencies: Insight, Persuasion
Languages: Two of your choice
Equipment: A well-used accounting journal, an inkwell and quill, a wax stamp, 5 candles, a set of fine clothes, and a hefty purse containing 25 gp.
Feature: Business Prospector
As a wealthy financier, your name carries weight in the business world and you have little trouble finding or making connections. Even in a new place, you are able to find your way into affluent circles. If there’s legitimate money to be made, you learn of the opportunity within a day spent investigating an area.
Suggested Characteristics
Financiers are shaped by their past business deals and current business affairs. Their dealings with others and their ultimate goals inform their mannerisms and ideals. Their flaw might be the result of unchecked greed or other worldly vices, or it could be the result of souring relationships and self-isolation.
d8 Personality Trait
1 First impressions are of utmost importance; I greet everyone with a big grin and a firm handshake.
2 I see myself as a leader and an innovator; my work brings dreams to life.
3 I am an avid notetaker. My scrawlings can be found across my many possessions.
4 I offer my perspective in most situations, often failing to realize when it is unwelcome.
5 I make it a point to be the best-dressed person in the room at all times.
6 I always look to the future, as dwelling on past successes and failures is stifling.
7 Opportunities for wealth can be found at every corner, and I intend to seize them.
8 My time acquiring wealth has made me eccentric to the common folk.
d6 Ideal
1 Progress. The world has come a long way, and it has a long way to go yet. We must work towards a bigger and better future. (Good)
2 Humility. Those who know me know that my fortune isn’t everything. I’m very concerned with keeping a level head and I spend frequent time among the poor and hard-working. (Good)
3 Pleasure. Life is best lived well, and I will always encourage a lavish and laidback lifestyle. (Neutral)
4 Greed. It’s every man for himself, and I intend to take whatever I can. (Evil)
5 Opportunity. Everyone should have the ability to forge their own path, given enough grit. (Chaotic)
6 Contracts. Commerce will consume all who partake in it if there are no contracts to regulate. I believe that every walk of life could benefit from such obligations. (Lawful)
d6 Bond
1 I owe a great deal to my family, who have done everything they can to support my endeavors.
2 A betrayal by an early business partner almost cost me my fortune and career; I will have my revenge.
3 I owe an enormous debt to a collector whom I try to avoid to this day.
4 I earn gold to provide for those who labored for it; I will defend the common people.
5 I would be nowhere without my clients and constituents. I will represent them honorably in my dealings.
6 I acquired all this wealth for the attention of somebody I treasure; somebody I want to care for me.
d6 Flaw
1 I am particularly ruthless and straightforward, often to the detriment of my personal relationships.
2 When I see gold in an opportunity, I can’t seem to focus on anything else, including ethical practices.
3 I have a ravenous hunger for worldly pleasures that is fueled by my fortune.
4 Very few people are worthy of my time, and I often treat my underlings and sometimes even business partners with cold indifference.
5 I easily become too focused on the minutiae of a situation, becoming bogged down in the details.
6 I am obsessed with my fortune, spending miserly and fearing that it may be stolen.