The players have killed the dragon and dragged the treasure down from the mountain. Here’s a way to make the spending of those riches without having to do accounting and putting rolls onto the table. This system will create adventure-making problems.
PNG and PDF below.
NOTE: Very much inspired by the Resources system in Burning Wheel.
I’d give advantage if the character’s background match up with what they are purchasing – knights if they are purchasing armor or horses, spy buying poison, folk hero purchasing rooms or pipeweed in an inn where they were heroic, or a noble purchasing land or title (depending on the nobles’ relationship with money in the setting), etc.