Never let the Wizard keep the money
As we arrived in our first town, the DM had the local shopkeep wave us in.
Shopkeep: so what can I help you boys with?
Our Wizard, carrying all the loot we aren’t using: gonna sell all this shit. What can I get in return?
Shopkeep: well, you can get some armor, a few weapons, a spyglass, some chalk-
Wizard: how much chalk?
Shopkeep: how much you want?
And that’s how the party has 100000 pieces of chalk.
Hitman, speaking up: so, what size is the chalk?
DM: about… 6 inches?
Hitman: can I use the chalk as crossbow ammunition?
DM: … sure.
And that’s how the Hitman has 10000 of those pieces of chalk.