Persona Production Step 9
Property, Possession, Real Estate, and Loose Change
We’re now close to the end of this series, with only miscellaneous details coming after this. In this step you determine how much your HP has in the way of goods, property, real estate, and ready cash. Roll according to the HP’s SEC and modify according to the HPs age, using the tables below.
For those of you who have a copy of the original game, I ‘ve taken the liberty of doubling the resulting amounts. This is to account for real world inflation, for in large part IA uses real world goods and commodities and their real world prices when an IA Persona goes to buy something. For a good idea of how much an item costs in Ærth check out the price of an equivalent item in a “Fly Over” city like St. Louis Missouri or Des Moines Iowa. Now for the tables.
| SEC | Net Worth | Bank Accounts | Cash on Hand | DMI |
| 1 | 3d3+5×20 | nil | 5d20+10 | nil |
| 2 | 5d5+3×40 | nil | 3d5x40 | nil |
| 3 | 3d3+5×100 | nil | 5d3x100 | nil |
| 4 | 5d10x400 | nil | 5d6x40 | nil1 |
| 5 | 5d5+5×1,0002 | 1d3x2,000 | 5d10x200 | 3d3x20 |
| 6 | 10d10+10×2,0003 | 3d3x4,000 | 5d10x200 | 3d6x100 |
| 7 | 1d20x20,0003 | 1d20x2,000 | 1d20x1,000 | 1d20x200 |
| 8 | 3d20x20,0003 | 3d20x2,000 | 3d10x2,000 | 2d20x200 |
| 9 | 5d20x40,0003 | 5d10x4,000 | 5d10x2,000 | 5d10x400 |
“Nil” means the HP has no money in that category; nothing in the bank, and no income other than what can be gained through employment.
1At the JM’s option he may agree to allow the player of an SEC 4 HP to earn a miserly stipend barely adequate to keep body and soul together. A starving artist for example.
2Plus a horse or some common steed of 4d3x2,000 BUCS value.
3Plus a horse or some common steed of 6d5x2,000 BUCS value.
| Age | Lower Class | Middle Class | Upper Class |
| 12-15 | 0.125 | 0.125 | 0,125 |
| 16-19 | 0.25 | 0.25 | 0.25 |
| 20-24 | 0.5 | 0.5 | 0.5 |
| 25-35 | 1 | 1 | 1 |
| 36-40 | 2 | 2 | 2 |
| 41-50 | 3 | 3 | 4 |
| 51-60 | 4 | 4 | 8 |
| 61+ | 5 | 5 | 16 |
(Yes, a 65 year old Upper-Upper Class HP could potentially have as much as 64 million BUCS in net worth. The player of such an HP should expect to be bailing out his companions a lot, and springing for necessary items.)
Now that you’ve found how much money in cash and goods your HP has, double his Net Worth and buy stuff he could be expected to own at the time he started adventuring. Clothing, equipment, housing , all that would be what most people would own. The current value is half that of the original price because used items don’t usually have the value of new.
Once you know how much your HP owns, and how much he has to spend on more stuff, it’s time to purchase what he needs to be an adventurer.
Finally, miscellaneous items and details for your HP.
