I have taken the formula <25*(N+1)*2^N> that was provided here in the Forum (sorry can't remember originator or I'd give credit) and calculated the following gold costs for training. The TOTAL GOLD column shows how much is needed to advance from rank 0 of 1 levev to rank 0 of the next. The GOLD FOR FIFTH RANK column shows the maximum gold the trainer will accept for the given level. Hope this aids in your budgeting. Your Faithful Calculator, Bugs MARTIAL ARTS LEVEL TOTAL GOLD GOLD FOR LEVEL LEVEL NAME NAME FOR NEXT LVL FIFTH RANK 0 Untrained Untrained 1 White Belt Awkward 100 50 2 Yellow Belt Mediocre 300 150 3 Green Belt Capable 800 400 4 Blue Belt Familiar 2,000 1,000 5 Red Belt Practiced 4,800 2,400 6 Black Belt Competent 11,200 5,600 7 1 Dan Experienced 25,600 12,800 8 2 Dan Skillful 57,600 28,800 9 3 Dan Proficient 128,000 64,000 10 4 Dan Exceptional 281,600 140,800 11 5 Dan Brilliant 614,400 307,200 12 6 Dan Expert 1,331,200 665,600 13 7 Dan Astonishing 2,867,200 1,433,600 14 8 Dan Amazing 6,144,000 3,072,000 15 9 Dan Incredible 13,107,200 6,553,600 16 White Sash Master 27,852,800 13,926,400 17 Red Sash Genius 58,982,400 29,491,200 18 Gold Sash Unearthly 124,518,400 62,259,200 19 Master Immortal 262,144,000 131,072,000 THIEF MAGIC THIEVERY TOTAL GOLD GOLD FOR LEVEL LEVEL NAME LEVEL NAME FOR NEXT LVL FIFTH RANK 0 Untrained Untrained 1 Skulker in Shadows Clumsy 100 50 2 Master of Mischief Mediocre 300 150 3 Diviner of Magics Average 800 400 4 Knight of Darkness Talented 2,000 1,000 5 Opener of Ways Practiced 4,800 2,400 6 Lurker in Darkness Deft 11,200 5,600 7 Obscurer of Ways Efficient 25,600 12,800 8 Master of Water Graceful 57,600 28,800 9 Master of Air Professional 128,000 64,000 10 Master of Secrets Dextrous 281,600 140,800 11 Master Thief Adroit 614,400 307,200 12 Shadow Thief Expert 1,331,200 665,600 13 Shadow Mage Astonishing 2,867,200 1,433,600 14 Shadow Stalker Amazing 6,144,000 3,072,000 15 Shadow Lord Incredible 13,107,200 6,553,600 16 Thief of Wands Magician 27,852,800 13,926,400 17 Thief of Cups Peerless 58,982,400 29,491,200 18 Thief of Pentacles Incomparable 124,518,400 62,259,200 19 Thief of Souls Master 262,144,000 131,072,000 WIZARD MAGIC TOTAL GOLD GOLD FOR LEVEL LEVEL NAME FOR NEXT LVL FIFTH RANK 0 Untrained 1 Aspirant 100 50 2 Apprentice 300 150 3 Apprentice to Fire 800 400 4 Apprentice to Ice 2,000 1,000 5 Apprentice to Illusions 4,800 2,400 6 Shaper of Fire 11,200 5,600 7 Shaper of Ice 25,600 12,800 8 Wizard 57,600 28,800 9 Shaper of Illusions 128,000 64,000 10 Illusionist 281,600 140,800 11 Master of Earth 614,400 307,200 12 Master of Illusions 1,331,200 665,600 13 Master of Air 2,867,200 1,433,600 14 Mage 6,144,000 3,072,000 15 Lord of Fire 13,107,200 6,553,600 16 Lord of Illusions 27,852,800 13,926,400 17 Lord of Air 58,982,400 29,491,200 18 Archmage 124,518,400 62,259,200 19 Magus 262,144,000 131,072,000 MALE THAUM MAGIC FEMALE NAME TOTAL GOLD GOLD FOR LEVEL LEVEL NAME Where Different FOR NEXT LVL FIFTH RANK 0 Untrained 1 Shaman 100 50 2 Apprentice 300 150 3 Initiate 800 400 4 Acolyte 2,000 1,000 5 Healer 4,800 2,400 6 Canon Canoness 11,200 5,600 7 Exorcist 25,600 12,800 8 Priest Priestess 57,600 28,800 9 Seer Seeress 128,000 64,000 10 Summoner of Snakes 281,600 140,800 11 Summoner of Spirits 614,400 307,200 12 Summoner of Demons 1,331,200 665,600 13 Prophet Prophetess 2,867,200 1,433,600 14 Patriarch Matriarch 6,144,000 3,072,000 15 High Priest High Priestess 13,107,200 6,553,600 16 Master of Demons 27,852,800 13,926,400 17 Master of the Dead 58,982,400 29,491,200 18 Master of Earth and Sky 124,518,400 62,259,200 19 Necromancer 262,144,000 131,072,000