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Wealth of Regencia Explained

D&D5e ~ 1800's English Pound ~ Modern-Day American $:
1gp = £1 / 1 pound = $100
1sp = 1 shilling = $10
1cp = 1 pence = $1
  *1 gp = 10 sp = 100 cp*   The real-world's Regency Era (1800's/early 19th century):   The main currency in England during the Regency Era was the pound sterling (£). Common denominations included pounds, shillings, and pence, with 1 pound being equal to 20 shillings and 1 shilling equal to 12 pence. Wealth could be quite varied, but an average middle-class income might be around £100-£200 per year.   Now, let's convert these to D&D 5e's currency system:   In D&D 5e, the standard currency is based on the gold piece (gp), with silver pieces (sp) and copper pieces (cp) as smaller denominations. Here's a rough conversion:   1 gold piece (gp) = £1 1 silver piece (sp) = 1 shilling 1 copper piece (cp) = 1 penny or pence   Upper-Class Income:     For the upper class during the Regency Era, incomes could vary widely. The top 1% upper-class income could range from £269 to the 10 wealthiest families making the substantial sum of £26,000 per year during the Regency Era! (Which could be thought of as 2,600,000 However... MOST top 1% Upper-Class families of the age made 500-1000 gold pieces (gp) (or £500-1000) per year (being, roughly, $50,000 to $100,000/yr in modern American currency).   Middle-Class Income:   A rough conversion of an average middle-class income in Regency Era or 1880s England to D&D 5e currency might be around 100-200 gold pieces (gp) per year, with the wealthiest Merchants making upwards of about £539 a year (breaking them into Upper-Class wealth, though not Upper-Class titles/influence).   Lower/Working-Class Income:   For the lower or working class during the Regency Era, incomes were significantly lower. Manual laborers, servants, and others in similar occupations might earn only a few pounds per year, if that. Let's estimate a lower/working-class income at around £10 to £50 per year, equating in this context to 10-50 gold pieces (gp) per year.   https://footnotesfromhistory.blogspot.com/2012/07/victorian-servants-and-their-uniforms.html
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