All my game design buddies tell me what they think.

Savings

The Savings Background gives you additional funds on top
of any Career income you might have. Each point of Wealth equals $10,000
available to you at the start of the game.

Wealth

Wealth is a special Background; it requires a character
already have five points of Savings.

Wealth represents moneys beyond just a savings account.
Initiates with Wealth have a vast store of cash available to them at a moment’s
notice… and even more if they’re given enough time.

Each point of Wealth provides your initiate with $50,000
of cash per game session. At the end of the game session, that sum resets. In
other words, if you spend $40,000 in one game session, you don’t get $60,000 at
the beginning of the next one. If you do spend any of the $50,000, however, your Wealth Background reduces by one
rank.

An initiate may choose to invest his $50k instead of
spending it. If he does not spend even a single nickel of his $50k, he gains
one experience point (see Experience,
pg. XX) he can put toward increasing his Wealth Background. When he has enough experience,
he may increase his Wealth Background. If he increases his Wealth Background in
this way, he receives a cash bonus of $10,000. This he may spend as he sees
fit.