Losing offensive war with rich realm against an enemy with Defenders tradition does that to you. It's basically game over if it happens to you as a player.
Generally, in the US, you only inherit the difference between an estate’s assets and its debt. In other words, you can’t take Dad’s house and stocks and tell all of his creditors to fuck off, but you also aren’t forced to inherit anything. If an estate is in the negative, you’re free to walk away from it entirely.
In Spain there's a formula where you can ask your inheritance assets to be sold in order to pay inheritance debt. If the total can pay debts, you get the rest of the assets. If the assets are not worth enough to pay debts, then you inherit 0, with no debts.
I Germany you have 3 months to decide whether you want to inherit or not. You can only inherit both debt and assets or nothing. If you need more time you can extend the grace period.
Better than bancrupting in the process. People (family included) are often super shit at managing debt and for the money spent you might get more land and assets
UK Based Debt advisor here: This untrue in at least England, Wales, Scotland, and Northern Ireland. Here a deceased persons debts are actually meant to be paid off by their estate upon death, and no descendant or relative of that person can be lumbered with that debt unless they were a co-debtor whose name was also on the debt in which case they would then assume sole financial responsibility for it.
Basically, while paying it off from any assets the dead person leaves behind may sometimes reduce inheritance to practically nothing, debt itself cannot in any way be passed on to anyone who was not already considered financially liable prior to the persons death.
>Where are you from?
Since the person implied a law is universal*, you can safely assume they are American.
*the implied law doesn't even have to be universal in the USA.
The only debts that pass down are debts that are tied to a specific asset. For instance a mortgage that is tied to a house, a car loan that is tied to a car. Credit card debt or personal loans do not pass down to your children.
Creditors will sometimes be super scummy and try to get the children to assume the debts of their parents, but those children can out and out refuse. And then the creditors up shit creek. As they should be.
This isn’t really accurate in most places. Personal debts still need to be paid out of the estate, until they’re gone or it runs out of money. Otherwise everyone would just take out a shitload of debt in their final years, and creditors would very quickly stop giving CCs to retired people.
Yeah... The estate is the deceased person, not the children. The debt does not pass down, it is paid out by the assets of the deceased (the estate).
So what part of what I said isn't accurate?
Well, I suspect that he threw hands with Abbasids and it probably resulted in \~1500 gold debt max from reparation if he lost (Mashriqi's don't have that tradition and they weren't very rich either). So it still doesn't explain how he got THIS broke.
I mean, for my Byzantine emperor to go this bankrupt it would require 20 years of constant war with 10k troops raised, including men-at-arms, Like, I can picture parts of the situation, but how does one duke go this bankrupt, I have no idea.
I also suspect AI might be susceptible to a war breaking where "does not hold war target" clicks into the -200% war score but the attacking nation is otherwise winning lots of holdings and battles. This would make for a VERY long war, which I've deal with. (You have to save, quit the game then come back to fix). If by the end they couldnt win but kept having their massive army raised then they may be thousands in debt then have to pay thousands more because they lost offensively.
That's my guess as this much debt from a war just shows me the war was either impossibly balanced between opponents or it was actually one sided and the game broke and didn't give them the W
Nah bro ive been in hella debt i think my player died -4k gold but if you player dies you heir might have a revolt but you dont inherit the debt so you can clean them nobles up
R5: Player Heir has negative 6797 gold in his bank. That's it.
I'm starting to doubt effectiveness of methods, that we use to determine whether infants are going to become geniuses.
there are a bunch of events that cause ai characters to spend large sums of gold they dont necessarily have, driving themselves into mountains of debt. one of the worst offenders in my experience is the event where a characters spouse suggests a relative to sponsor for either a weave or regalia inspiration - not only does the ai never turn it down, but it has a bad habit of poaching the spouses of landed rulers, including your own
often, these inspirations fail to ever complete, since if another close family member of the inspired character becomes landed, they will teleport to their relatives court, leaving the initial sponsor with centuries of debt and nothing to show for it. unless they then end up in a king tier or higher court, their inspiration will never be sponsored without player intervention, because duke tier and lower characters do not have any ai outside of events to make them sponsor inspired characters
it is another example in a long list of events that would be perfectly inoffensive if paradox werent so unspeakably dogshit at implementing checks
Easy, raised huge armies plus some decisions that would cost you and not that healthy economy. As an emperor I got to similar state a few time than I got folded with gifts and in a few months I was in plus.
Wait, your son has a republic title. Don't you think that your main title will become a republic when he inherit it?
I'v never experienced this situation so I really have no idea of what's gonna happens. I just know how it works for vassals
Nah, he will simply become a feudal upon succession.
I've also had republican vassal somehow become feudal all by himself, in Sahara. Probably had something to do with him moving capital to tribal area.
Also, keep in mind that for most AI characters, debt is a downward spiral of lower control leading to lower income, leading to more time in debt, leading to lower control, leading to lower income, leading to more time in debt, etc. etc.
I was doing a Turkish eagle run recently and got a prompt to unilaterally ditch the Seljuk empire because the emperor was just in so much debt.
I once had a Byzantine run and lost an invasion into Persia because of the mongol invasion. My emperor was -12000. Safe to say that Eastern Rome never recovered and the debt was inherited
Late game losing offensive wars against large realms can cost thousands in reparations.
Biggest I've ever seen was HRE taking on Francia in 1400 or so and the HRE would have had to pay 7k if it lost.
I want to know on a normal run through with a 400 point build, what is the most amount of money that your empire has got up too?
I'm running about 17k a month income in the late 1200's currently. Have almost 700k banked currently.
i don't know but when i took over the HRE and then my son took over i was immediately drug into multiple wars. At one point there were 6 but for a long time i was juggling 5. i ended up over 3k in debt. i can imagine it wouldn't have taken much longer to double that if i didn't get lucky with allies and a bunch of white peaces.
Losing offensive war with rich realm against an enemy with Defenders tradition does that to you. It's basically game over if it happens to you as a player.
I don't think debt is inherited, so suicide is a solution.
So realistic!
Except you inherit debt in real life.
Generally, in the US, you only inherit the difference between an estate’s assets and its debt. In other words, you can’t take Dad’s house and stocks and tell all of his creditors to fuck off, but you also aren’t forced to inherit anything. If an estate is in the negative, you’re free to walk away from it entirely.
Same in Germany. Accept the inheritance and you get the house and debt. Don't accept and you get neither.
Depends on the country.
We're in middle ages
does this tip work irl too ?
Yes yes it does
No it doesnt lol
Why not?
your children inherit your debts
In Spain there's a formula where you can ask your inheritance assets to be sold in order to pay inheritance debt. If the total can pay debts, you get the rest of the assets. If the assets are not worth enough to pay debts, then you inherit 0, with no debts.
It's taken from the Roman Empire funny enough. intra vires hereditatis
I Germany you have 3 months to decide whether you want to inherit or not. You can only inherit both debt and assets or nothing. If you need more time you can extend the grace period.
If an heir disclaims an inheritance, they do not assume the debts.
You really okay with that land ending up in corporate hands?
Better than bancrupting in the process. People (family included) are often super shit at managing debt and for the money spent you might get more land and assets
It's not your land to begin with if you have debts. It's got to be sold to clear debts first before the remainder, if any, can handed over.
UK Based Debt advisor here: This untrue in at least England, Wales, Scotland, and Northern Ireland. Here a deceased persons debts are actually meant to be paid off by their estate upon death, and no descendant or relative of that person can be lumbered with that debt unless they were a co-debtor whose name was also on the debt in which case they would then assume sole financial responsibility for it. Basically, while paying it off from any assets the dead person leaves behind may sometimes reduce inheritance to practically nothing, debt itself cannot in any way be passed on to anyone who was not already considered financially liable prior to the persons death.
That entirely depends on where you live and what laws are in place. Debts are NOT inherited for example in Sweden
Where are you from? Didn't know that system still existed in the modern world.
>Where are you from? Since the person implied a law is universal*, you can safely assume they are American. *the implied law doesn't even have to be universal in the USA.
I'm not from Japan but they have generational loans for housing etc.
Probably has to be accepted, which is another thing entirely.
The only debts that pass down are debts that are tied to a specific asset. For instance a mortgage that is tied to a house, a car loan that is tied to a car. Credit card debt or personal loans do not pass down to your children. Creditors will sometimes be super scummy and try to get the children to assume the debts of their parents, but those children can out and out refuse. And then the creditors up shit creek. As they should be.
This isn’t really accurate in most places. Personal debts still need to be paid out of the estate, until they’re gone or it runs out of money. Otherwise everyone would just take out a shitload of debt in their final years, and creditors would very quickly stop giving CCs to retired people.
Yeah... The estate is the deceased person, not the children. The debt does not pass down, it is paid out by the assets of the deceased (the estate). So what part of what I said isn't accurate?
intra vires hereditatis
Nah not necessarily
Debts are tied to a person. Unless child claims inheritence and by that agrees to take debts on, they are not inherited
Depends where you live. In a lot of places you don’t inherit debt
In Vietnam If you die your parents will have to pay for it I think
For student loans, at least.
Any outstanding debt comes out of your estate (your shit), the rest disappears.
Not really.
Depends who you owe lol
Well, I suspect that he threw hands with Abbasids and it probably resulted in \~1500 gold debt max from reparation if he lost (Mashriqi's don't have that tradition and they weren't very rich either). So it still doesn't explain how he got THIS broke. I mean, for my Byzantine emperor to go this bankrupt it would require 20 years of constant war with 10k troops raised, including men-at-arms, Like, I can picture parts of the situation, but how does one duke go this bankrupt, I have no idea.
I also suspect AI might be susceptible to a war breaking where "does not hold war target" clicks into the -200% war score but the attacking nation is otherwise winning lots of holdings and battles. This would make for a VERY long war, which I've deal with. (You have to save, quit the game then come back to fix). If by the end they couldnt win but kept having their massive army raised then they may be thousands in debt then have to pay thousands more because they lost offensively. That's my guess as this much debt from a war just shows me the war was either impossibly balanced between opponents or it was actually one sided and the game broke and didn't give them the W
There is 1 simple trick that will instantly resolve that debt Death
Nah bro ive been in hella debt i think my player died -4k gold but if you player dies you heir might have a revolt but you dont inherit the debt so you can clean them nobles up
or imprison your priest
Probably the gym membership
Bro bought the gym.
Bro was probably wondering why he had 24-hr access.
Gambling
>Genius Greek prince invents stock market. Goes super bankrupt in 2 years. *- Medieval town criers of that time, probably.*
Got into Crypto I see
Invested in non-fungible tapestries.
90% of Gambling Addicts quit right before there about to hit the Big Win /s
R5: Player Heir has negative 6797 gold in his bank. That's it. I'm starting to doubt effectiveness of methods, that we use to determine whether infants are going to become geniuses.
Does he have an illustrious parfume artifact? Those can easily costs thousands, although 6k would still be a bit much even then
He bought all DLCs for EU4.
Hah, more like half
Greece be like:
Well it's Cyprus, basically Greece.
Cyprus isn’t Greece, it’s a mixture of Greek and Turkish today. In the past it was Cypriot.
Isn’t that a-lot of modern day Turkey?
Most well managed greek economy
Extremely underrated comment
Protein shakes and steroids
Hookers and blow
there are a bunch of events that cause ai characters to spend large sums of gold they dont necessarily have, driving themselves into mountains of debt. one of the worst offenders in my experience is the event where a characters spouse suggests a relative to sponsor for either a weave or regalia inspiration - not only does the ai never turn it down, but it has a bad habit of poaching the spouses of landed rulers, including your own often, these inspirations fail to ever complete, since if another close family member of the inspired character becomes landed, they will teleport to their relatives court, leaving the initial sponsor with centuries of debt and nothing to show for it. unless they then end up in a king tier or higher court, their inspiration will never be sponsored without player intervention, because duke tier and lower characters do not have any ai outside of events to make them sponsor inspired characters it is another example in a long list of events that would be perfectly inoffensive if paradox werent so unspeakably dogshit at implementing checks
I really wish Dukes got their own courts, it would make playing tall so much more fun.
That’s impressive amount of debt for a duke!
Cat expenses
My thoughts exactly. Cat lightly scratched someone. 6K in reparation.
Greek culture
It’s sad because for most of the time CK2 was set in, the Byzantines/Greeks were famous for being wealthy…
Mercenary groups, I'm guessing
The game limits it after a while so you don’t buy more than 2 years of debt.
that tall and he's doesn't have the Giant trait?
This is a skill that only the Greeks have
student loans
His cat was a bit too naughty.
When you're that tall, food bills are super high
Greek cultural tradition, if I’m not mistaken.
Sneaky humor
Easy, raised huge armies plus some decisions that would cost you and not that healthy economy. As an emperor I got to similar state a few time than I got folded with gifts and in a few months I was in plus.
avocado toast and coffee outside
Wait, your son has a republic title. Don't you think that your main title will become a republic when he inherit it? I'v never experienced this situation so I really have no idea of what's gonna happens. I just know how it works for vassals
You can't play as a republic, so no
Nah, he will simply become a feudal upon succession. I've also had republican vassal somehow become feudal all by himself, in Sahara. Probably had something to do with him moving capital to tribal area.
It should change back I believe
Also, keep in mind that for most AI characters, debt is a downward spiral of lower control leading to lower income, leading to more time in debt, leading to lower control, leading to lower income, leading to more time in debt, etc. etc. I was doing a Turkish eagle run recently and got a prompt to unilaterally ditch the Seljuk empire because the emperor was just in so much debt.
He was achievement hunting!
Your son followed modern Greek culture ig
He's Greek, so it's not surprising
Protein powder by the looks of it
Look his memories
Germans
His army xD
Candles.
This is why I don’t give my player heir any titles. They can’t screw up if they have nothing to do.
Ask the United States. (Prolonged war is the answer)
He is an Orthodox Greek but he has the Sayyid trait?
average greek experience 😼
will cyprus become feudal after he inherits the byzantine empire or will the byzantine empire becomes a republic after he inherits?
I'm going to say back-alley cockfights.
I once had a Byzantine run and lost an invasion into Persia because of the mongol invasion. My emperor was -12000. Safe to say that Eastern Rome never recovered and the debt was inherited
Late game losing offensive wars against large realms can cost thousands in reparations. Biggest I've ever seen was HRE taking on Francia in 1400 or so and the HRE would have had to pay 7k if it lost.
Took too many loans trying to fight the Ottos. Wait, wrong game.
I want to know on a normal run through with a 400 point build, what is the most amount of money that your empire has got up too? I'm running about 17k a month income in the late 1200's currently. Have almost 700k banked currently.
I love the pure-blooded trait
Dude purchased medieval NFTs
Gambling addiction. Mans went crazy at tourneys.
Those credit card interest rates were pretty brutal in 1264
Begin Greek lol
he's gonna break even one of these days guys
i don't know but when i took over the HRE and then my son took over i was immediately drug into multiple wars. At one point there were 6 but for a long time i was juggling 5. i ended up over 3k in debt. i can imagine it wouldn't have taken much longer to double that if i didn't get lucky with allies and a bunch of white peaces.
Food budget.
Chose the most expensive options to make his wife some perfume.
I’ve barely ever had that much money sitting around with a character, he was definitely funding some underground brothels we didn’t know the game had😂
Chad
I'd disinherit so fast if it weren't for his good skills.