Characters start at:
Poor (you depend on other people's favors)
Once you steal a purse or perform a small job, you become:
Good (you can afford inns, beers, tools, ammo, common equipment)
When you do a good heist or hunt a prized bandit, you become:
Wealthy (you can afford a good weapon, armor, an inn for a good while, repairing a ship)
When you get hands on a great treasure, inherit a patrimony or you do a service for a king, you become:
Fucking Rich (You can afford a house, a three mast ship, a masterwork katana)
You cannot afford anything that is over your rank unless you trick somebody or do something in-game that makes sense for it.
You can automatically buy something from a lower rank; just ask for it.
When you buy something from your rank, or a whole lot of things from a rank below you, roll +Wisdom.
On a 10, You get it
On a 7-9, You get it but your rank will go down if you buy something expensive before you get a new income
On a 6, you can get it, but your rank will go down.