@sharnid okay! @nero oh wow... lets see. questions 1 and 3. money amounts wont affect the game. avoid buying rare things though. for example, Crystals are expensive, you should not have more than 3 of each. other than that, its expected you will need to buy housing at a lodging and food. later on, your own house if you wish. so in theory, if one saves, he'll have alot of money. question 2. yes you may but your character cannot become impervious to attacks. no super bulky inpenatrable armor. question 4. us GMs will take care of the guild stuff. not to worry. we're already planning.