It might not be in a banana stand, but here are five ways that are guaranteed* to make you a quick GP or five when you really need it.
They say that money doesn’t matter in Dungeons & Dragons. And maybe that’s true past a certain point. But try telling that 2nd level Wizard that gold pieces don’t really mean much of anything and you’re sure to catch a fire bolt to somewhere flammable.
Because there’s a point in every adventuring party’s life, before the quest rewards start to pile up, before you get too high level, when every GP seems to matter. And it’s never quite enough to have to buy the things you want. Maybe you need to scribe a new spell. Or you gotta find the 10 gp it takes to summon a familiar because the Sorcerer forgot how big her area of effect spells were. Again. Whatever the case, here are some quick ways to net some fast GP.
Sell Your Inventory
Most problems in D&D can be solved by turning to your character sheet. And getting gold pieces is no different. In the “Selling Equipment” sidebar of the Equipment chapter in the Player’s Handbook, the rules even reinforce this. You can always sell whatever gear you’re lugging around for at least half the price:
“Equipment fetches half its cost when sold. In contrast, trade goods and valuables—like gems and art objects—retain their full value in the marketplace.”
So tally up those goblin short swords. Or weigh the cost of the +1 to AC you get from that leather armor; otherwise, that’s 5 gold pieces right there.
Use Your Tools
But not to do actual work. You need money in a hurry. But you won’t make that by doing an honest day’s work, especially since, by the rules as they are written, you only start earning money if you can make a Tool Proficiency or Performance check of 21+. That only gets you 25 gp plus a comfortable lifestyle for the week. And you can’t take the cash value on the lifestyle.
But you can use your expensive tool sets as collateral when taking out a high-interest loan. Look, just tell your DM you want to find a loan shark. They’re at least as old as Shakespeare, if not older. Heck, in D&D, they might be an actual shark. Or a shark person. Just borrow what you need, and then never pay it back. As long as you skip town before they find you, you’ve probably got nothing to worry about.
Use Someone Else’s Inventory
What if you don’t have any extra inventory to sell? Because maybe you need your armor and your weapon, say for dealing with a Lone Shark or whatever. You know who probably has extra weapons and armor just laying around?
Town guards. And honestly, how competent are they? When was the last time you were worried because someone called the guards? Exactly. Knock out a guard or two, steal their weapons and armor, and you’ll be rolling in quick money before anyone’s the wiser. Besides, put yourself in their shoes. If you’re a town guard who got rolled by some random adventurers, are you gonna fess up that you got your sword stolen? You’d never live it down.
Use Someone Else’s Money
Hey while we’re at it since you already have that guard knocked out, you could just take their coins too.
In fact, you could probably take anyone’s coins if you try hard enough. You’ll have to figure out how hard you want to try and at what point it stops being worth it. But if reality has taught us anything, it’s that crime pays. The bigger crime, the better, honestly. Even really big crimes that you’d think you wouldn’t be able to get away with.
Use Money That Isn’t Even Real
Why use real money when you could just use an illusion to disguise those useless copper pieces as gold pieces?
Or take up Transmutation and use the Minor Alchemy ability to temporarily transform a cubic foot at a time of wood or stone or anything else available into silver. You’ll have to balance time, as the ability lasts an hour, and takes 10 minutes per cubic foot of material, but with the right setup, you can swoop in, buy something with “real silver pieces” and then be out of there before anyone knows.
You might want Disguise Self or the like before you do though.
Good luck!
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