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D&D: Five Ways to Stash That Loot

4 Minute Read
Nov 6 2024
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Did you hit the big score? Well don’t leave your gold just lying around where any enterprising kobold can cart it off. Stash that loot!

In D&D, sometimes you hit it big with your treasure. You either get some amazing rolls on the treasure tables or remind your DM that the really nice chest that you actually found the key for, is still perfectly usable and sell it for a fortune.

Whatever the reason, when you have tons of GP, you end up with a liability. Because until you’ve spent that money, all it takes is one band of kobolds or a metal-eating Xorn and you’ll end up like Conan at the beginning of most of his stories, destitute and in need of more treasure. But you don’t have to end up that way. You can stash that loot – here are a few ways to manage it.

Invest in Real Estate

First things first, you could just spend it. Build yourself a keep. Or if you’re playing with the new Bastion System rules, spend some of that gold on expanding your Bastion or buying some new facilities. Why settle for a cramped bedroom when you could have a vast bedroom on your luxurious estate instead?

If that doesn’t work, you could always go for other options. A guildhall. A Ship. These things are much harder to steal and/or destroy.

Bag of Holding

Of course if you can’t spend it all right away, the Bag of Holding is a popular choice. Though you have to be careful. Because, sure, you can keep an inordinate amount of money stashed in one. But it’s all now also in one place. And it’s much easier to take a Bag of Holding than a heap of coins.

But it’s also much easier to protect something that’s actively on your person at any time. Most spells and effects can’t even target an object that’s being carried, worn, or wielded. So as long as you don’t let anyone get near enough to steal it, it’s actually pretty safe.

Your Own Dungeon

Okay. You have too much money to ever spend. What are you going to do with it all? Well, you could put it in a big underground vault. Of course, you’d want to protect this vault from intruders. So maybe hide it behind a labyrinthine network of corridors that are filled with deadly traps. May as well hire some monsters to protect it/live inside it as well.

Pocket Dimension

There are a few different ways to create/gain access to your own little pocket dimension. These include the Demiplane spell, which allows you to create a shadowy door to a pocket reality that you and you alone know the existence of. Or you might have the Demiplane facility in your Bastion. Either way, getting access to your own extradimensional reality outside of reality is the perfect place to hide anything away from all but the most powerful of beings. And they’re probably not going to rob you.

Under A Dungeon

Everyone knows that dungeons are where you go to find treasure, right? But with the right spells, you could stash your treasure beneath a dungeon. Not as part of a network of secret rooms or anything like that.

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But if you have a dungeon area mapped out, with a long enough time shaping earth (or granting yourself a burrow speed) you could tunnel below the bottom floor, deep below it, and leave your treasure there. Just leave the treasure in the dungeon above untouched. That way whoever happens to break into the dungeon that marks where your buried treasure is will leave once they’ve cleared it out.

After all, when was the last time you finished clearing a dungeon, looted the monsters, and thought, “aha, now it’s time to dig!”?

How do you stash your loot?


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Author: J.R. Zambrano
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