this post was submitted on 16 Mar 2026
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$20k/yr where? In the U.S. that would be very tight, so the math might change a bit based on local cost of living.
I live in Wichita, KS, with roommates. I realize the cost of living here is lower than most places, so maybe I should double the value of a gold piece. It's definitely very tight, but I think my situation (living in an apartment with roommates) is roughly equivalent to renting a room in a boarding house. I'm able to afford my cell phone and can get regular oil changes for my car, which I think counts as "maintaining my equipment."
Really, I think modest living probably needs to be defined carefully here. Consider how medieval peasants actually lived (entire large families living in one room cottages, often sharing a single bed.) I would say that the modern equivalent would be sharing a studio apartment with four roommates.
A modest lifestyle in 5e is defined as
By modern first world standards, I'm definitely poor. By the standards of a medieval fantasy setting, I am comfortable
Yeah those are poverty wages in large swaths of the country