Debt

-1 point/level
You owe money. This could represent a loan, back taxes, child support, or alimony . . . or “hush money” paid to blackmailers . . . or “protection money” extorted by gangsters. You must make a monthly payment equal to 1% of your starting wealth (adjusted for wealth level) per level of this trait, to a maximum of 20%. Debt can accompany any wealth level above Dead Broke; plenty of multimillionaires owe significant amounts of money!

Your monthly payment is deducted from your monthly earnings at your job. If your job cannot cover your Debt, you have to pay out of your cash reserves, take a second job, or steal.

If you cannot pay – or choose not to pay – there will be trouble. For bank loans, this means repossession of your worldly goods. For alimony, child support, fines, or taxes, this means a court date. And if you owe money to the mob, you might end up being strongarmed into criminal activities . . . or staring down the barrel of a shotgun. The GM should be creative!

It is assumed that you cannot easily rid yourself of this obligation. It takes more than money to buy off Debt – you must pay off the points and work out a logical in-game explanation with the GM.