Permanent Lifestyles and the Trust Fund Quality, Revised Rules, based on some real-world research Options Track this topic Email this topic Print this topic Download this topic Subscribe to this forum Display Modes Outline Switch to: Standard Switch to: Linear+

[JanessaVR]

Under the SR4 rules, you can purchase a permanent lifestyle by paying for 100 months of it. However, this doesn’t seem tie out to reality. I had the chance to talk to a fairly comfortable retiree recently, and got some interesting financial figures. He’s currently earning 4% APR on $1 million, which nets him $40,000 per year. That plus his Social Security, and he’s doing ok. But it got me thinking about the permanent lifestyle costs, and I think the canon figures are too low.

Tying this into the Trust Fund quality (SR4 Runner’s Companion, p. 101), and I’ve revised all of this into the following:

* Squatter: 5 BP | 10 KP – This pays out $500 per month for living expenses, along with $50 spending money. Investment needed is $165,000
* Low: 10 BP | 20 KP – This pays out $2,000 per month for expenses, along with $200 spending money. Investment needed is $660,000
* Middle: 20 BP | 40 KP – This pays out $5,000 per month for expenses, along with $500 spending money. Investment needed is $1.65 million
* High: 40 BP | 80 KP – This pays out $10,000 per month for expenses, along with $1,000 spending money. Investment needed is $3.3 million
* Luxury: 400 BP | 800 KP – This pays out $100,000 per month for expenses, along with $10,000 spending money. Investment needed is $33 million

So…either save your cash to reach the level you want to be at, and/or spend KP on it. Just think, for a mere 800 KP, you too can star on Lifestyles of the Rich and Famous. (IMG:style_emoticons/default/smile.gif)

If anyone has a finance degree (or works in the banking industry or some such), please feel free to chime in. This is just a fairly quick and simple revision of the rules, and I’d welcome some firmer numbers, if anyone can supply them.