To simplify spending of gold on frivolous/common goods and services during downtime, we will use the lifestyle expenses rules. At the start of a week (ten days) choose which Lifestyle you will maintain then spend an amount in [[Gold]] equal to that price/day x 10.
| Lifestyle | Price/Day | Effect |
| ------------ | ------------: | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Wretched | - | Gain all previous lifestyle banes. 10% chance each day that you lower your max hp by 1 or that gear is stolen from you. Max HP is recovered for each week (ten days) you spend at least at a Comfortable lifestyle. |
| Squalid | 1 sp | Lose access to most services as owners drive you out. |
| Poor | 2 sp | - |
| Modest | 1 gp | - |
| Comfortable | 2 gp | When crafting items and determining the amount of workweeks it takes to create the item, instead divide its gold piece cost by 100.<br>Scribing spell scrolls takes half as much time. |
| Wealthy | 4 gp | Gain all previous lifestyle boons. Gain advantage on all skill checks. |
| Aristocratic | 10 gp minimum | Gain all previous lifestyle boons. Seeking out nobility and higher status individuals is guaranteed. |