I typically am a stingy DM. I have found that if the characters are millionaires by 3rd level then they lose interest rather quick. Whenever they find a huge pile of treasure, remember that 10 coins is a pound in encumbrance, 100 coins is 10 pounds, 1000 coins is 100 pounds. Imagine carrying a 100 pound sack of pennies.... Sure they may find 10,000 silver pieces but how are they going to transport it? Then there are thieves and taxes (thievery in its own right...) to help lighten the PCs load:laugh: I do this not to keep them poor but to make them appreciate it when they do get to keep it... I also don't want said 3rd level party saying "*Another* +1 sword??!!" and throw it away.