Expensive Habit

-1 point

A basically harmless, even good habit is a small drawback if
it costs excessive money or time. Specify one moderately nar-
row category – clothing (not armor), dining out, gift-giving,
lodging while on the road, transportation, etc. – where you
insist on “the best.” If it’s something money can buy, you’ll
always spend at least twice as much whenever you purchase
that thing. If that doesn’t fit the habit or you lack sufficient
funds, you’ll invest double the time instead.
For instance, “Buys the latest fashions” means paying 100%
extra for trendy clothes, while “Impeccably groomed” leads to
taking twice as long to make yourself presentable if you fore-
see social interaction (buying overpriced hair products or
makeup would be good roleplaying, too!). Other examples
include “Always travels first class,” “Drives expensive cars,”
and “Insists on five-star hotels.”
This can be a headache if applied to essential adventuring
gear – but if you have the money, why not? “Prefers fancy
weapons” or “Decorates armor” means adding gems, precious
metals, custom tooling, etc. sufficient to double the cost of
your favorite toy. If you insist on spare or more functional gear,
that’s an Overcautious Habit (p. 30).
Leaning toward expensive tastes in all things is Compulsive
Spending as an Easily Suppressed Disadvantage (p. 10).