First, an announcement that the gold totals in everyone’s Guild Account has now been INCREASED to allow for more gold in D&D 5th Edition. Couple this with the fact that people can now buy (not sell) items with gold using the prices in the Discerning Merchant’s Price Guide (print a free PDF at D&D Beyond or view the online spreadsheet and use the column “DMPG”), and you can now start picking out magic items for your character!
Let’s take a starting 7th grader’s character. That person will be 5th level and have about 800 gold in their Guild Account. FIRST they can get the starting standard equipment of a 1st-level character. Then they have about 800 gold to spend. This can get:
a +1 weapon
wand of smiles
ring of jumping
A few of the 8th graders have as much as 20,000 gold in their Guild Account right now. They can start a character who has:
helm of telepathy
ring of protection
Flame Tongue (longsword)
wings of flying
Belt of Giant Strength (hill giant, Strength 21)
(Note that permanent item transfers between characters are not allowed, including different characters belonging one to student.)
The Guild Account is the wealth for a new D&D character. But for a limited time only: If your current character already has magic items and gold, then they can trade in everything they have in exchange for the above. This can be a strict upgrade for some people. You should see if it is!