Keeping Your Money Safe

Anything in your wallet can be mugged. Keep it at $0 whenever you can: stash first, withdraw only right when you are about to spend, then stash again. Even a tiny mug is incentive for someone to keep hunting you. Mugging and most trade scams are allowed; assume someone will try.

Use the decision tree below, then the short habits for ghost trades, stocks, and post-sale stashing. Self-hosp methods live in How to trade.

Also useful: Piggy Bank (mission-credit item; break to withdraw) and careful auction bids (tied up until outbid/win). Skip bookie bets, passworded races, and "send cash to a friend in hospital" tricks from old threads.

1. Open the profile of someone you trust → Trade.
2. Label the trade ghost / gh so they do not accept by mistake.
3. Add the cash (and nothing you intend to give away).
4. Leave it open. Reset before the ~6-hour expiry.

Only ghost with people who will not cancel on you. When a trade ends or is cancelled, you briefly cannot be mugged; use that window to restash. Ghost trades are one of the few ways you can personally move cash while hospitalized.

• Stocks - buy shares to get cash off hand; sell when you need it (0.1% sell fee). Needs a Stock Ticker. You cannot trade stocks in hospital, jail, or while traveling. See Stock market.
• Property vault - owned Palace / Castle / Island (or unique with vault) + vault upgrade. Rentals do not count. Turn off vault sharing if you cohabit (Properties).
• City Bank - best set-and-forget for money you will not need this week. Cap ~$2B (~$3B Oil Rig Fat Cat).
• Cayman - huge balances, but you must travel to deposit/withdraw.
• Faction / company - convenience, not a personal vault. Bankers can move balances; company software corps can hack ~3% without SYS.

Hospital blocks mugs. Self-hospitalize (revives off) when cash on hand is about to get large: open bazaar / IM sales, accepting a big trade, etc. Methods and full trade workflow: How to trade → Self-hospitalize. Scam angle: Avoiding scams.

• Pull vault cash before you hosp (you cannot withdraw faction/property vault yourself while hospitalized).
• Start the trade yourself when you can; use the two-step confirm; re-check cash and items right before the final accept.
• Travel can protect you mid-sale, but landing exposes you. Prefer hosp for big floats.
• Blacklist known buy-muggers (Lists → Enemies → disable exchanges) so they cannot buy your bazaar.

Accept → stash → then celebrate. Same for casino wins and lottery cheques (do not claim into a mug pile). Prefer accepting while already hospitalized.

1. Cash lands.
2. Ghost it, bank it, vault it, or buy stocks with it. Stash it safely.
3. Celebrate your haul.

1. Keep your wallet at $0. Withdraw only when you are about to spend.
2. Match stash to time-to-need using the decision table.
3. For big sales: self-hosp (see How to trade), sell, then restash before you leave hospital.
4. Never send cash to a "holder."

• dESTROYS - Keeping Your $$$ Safe
• Stock Market wiki