We gain it naturally, immediately when we level up.
At level one, all characters have 175 gold.
If your character has a spellbook and you want to learn more spells than those you would normally have by levelling up, you can.
Increase the cost of your spellbook by the cost of learning a spell of that level.
We can have up to 10% of total wealth as consumables.
These do not replenish between fights or during downtime.
On level up, the slate is cleaned. New consumables can be purchased up to the new wealth by level.