Modern Rules
No one can ever remember how this works, so direct from the Modern SRD, here are the Profession and Wealth check rules.
Very handy for players to do their shopping away from the table.
Thanks to the Wizards for this OGL Content.
Profession (Wis)
Check: A character makes Profession checks to improve his or her Wealth bonus every time he or she attains a new level. The DC for the check is the character's current Wealth bonus. If the character succeeds at the Profession check, his or her Wealth bonus increases by +1. For every 5 by which the character exceeds the DC, his or her Wealth bonus increases by an additional +1. A character can't take 10 or take 20 when making a Profession check to improve his or her Wealth bonus.
How many ranks a character has in the Profession skill (including ranks the character may have just acquired after gaining a level) also adds to the Wealth bonus increase the character receives upon gaining a new level. In addition to the Wealth bonus increase a character gains from your Profession check result (if the check succeeds), the number of ranks the character has in this skill increases his or her Wealth bonus as follows.
| Ranks | Wealth Bonus Increase |
| 1-5 | +1 |
| 6-10 | +2 |
| 11-15 | +3 |
| 16-20 | +4 |
| 21-23 | +5 |
Special: If the Gamemaster deems it appropriate, a character can add his or her Profession modifier when making a Reputation check to deal with a work- or career-related situation.
Every time a character takes the Windfall feat, he or she gets a cumulative +1 bonus on all Profession checks.
The Wealth Check
A Wealth check is a 1d20 roll plus a character's current Wealth bonus. The Wealth bonus is fluid. It increases as a character gains Wealth and decreases as the character makes purchases.
If the character succeeds on the Wealth check, the character gains the
object.
If the character fails, he or she can't afford the object at the time.
If the character's current Wealth bonus is equal to or greater than the DC, the
character automatically succeeds.
If the character successfully purchases an object or service with a purchase DC
that's higher than his or her current Wealth bonus, the character's Wealth
bonus decreases.
| DC vs Wealth | Wealth Bonus Decrease |
| 1-10 points higher | 1 point |
| 11-15 points higher | 1d6 points |
| 16+ | 2d6 points |
Any purchase of DC 15 or above costs one extra point of Wealth Bonus.
Aid Another
One other character can make an aid another attempt to help a character purchase an object or service. If the attempt is successful, that character provides the purchaser with a +2 bonus on his or her Wealth check. The character who provides the aid reduces his or her Wealth bonus by +1.
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