Money, Cash and Resources
Money doesn’t quite work like most other games, we don’t track individual amounts, and when you want to buy something, if I tell you how much it costs, this is for flavour only!
In Burning Wheel, your resources is a skill. Maybe you have a lot, but don’t tend to manage it well, maybe you have a little but everyone in town owes you a favour. Either way, the system acknowledges that wealth is more than just cash, but also tries to simplify it.
When you want to buy something, you tell me what it is and I give you a difficulty. You test your Resources skill, pass and you get the thing, fail, and you probably don’t, or you do but with whatever drawback I can imagine. In addition you are taxed (more on that later)
Beginners Luck? Nope - Beginners luck is to open a skill you don’t have. Every character has the resources skill, if it’s at B0, it’s the same as any other skill at B0 - it can’t be tested.
So, where does that leave you? If you can’t test your resources, how do you buy anything, and if you can’t test, and you can only advance your skills by using them, how will you ever get to Resources B1?
Well, you either need some cash on hand, goods, a title or a loan. All of these things can grant you an advantage die to your next roll (and only your next roll, pass or fail), and that +1D can be used to roll. Pass or fail, that first roll boosts your resources to B1 and you’re away. To make money, you need money!
So that’s all well and good, but what about getting taxed. Don’t worry, it’s not the local authority coming to you with it’s hand out - though of course that happens from time to time in the game, a skill getting taxed (and we’ve already seen it with Warran after his drunken fear spell) means it is temporarily reduced and you need to go through specific steps to increase it again. Warran needs to rest, but that’s not going to help if your resources get taxed!