Creatures can have varying amounts of each, as follows. Treasure can include coins, goods, and items. Intelligent creatures that own useful, portable treasure (such as magic items) tend to carry and use these, leaving bulky items at home.
The monster safeguards or hides its treasure as well as it can, but it leaves it behind when outside the lair. In the case of a creature that cannot use treasure, that generally means nothing. When generating an encounter dealing with monsters away from their lair, remember that a creature only takes what it can easily carry with it. After referencing the level and kind of treasure (coins, goods, items) found in the creature’s description, roll on the appropriate row and columns of the proper table. The tables found below are used to determine the specifics. Every monster has a treasure rating (indicating how much treasure it has, although for some creatures the rating is “None”).
