Starting Gold by Level

PCS
1st   varies      11th   66,000
2nd      900      12th   88,000
3rd    2,700      13th  110,000
4th    5,400      14th  150,000
5th    9,000      15th  200,000
6th   13,000      16th  260,000
7th   19,000      17th  340,000
8th   27,000      18th  440,000
9th   36,000      19th  580,000
10th  49,000      20th  760,000

NPCS
1st      900      11th   21,000
2nd    2,000      12th   27,000
3rd    2,500      13th   35,000
4th    3,300      14th   45,000
5th    4,300      15th   59,000
6th    5,600      16th   77,000
7th    7,200      17th  100,000
8th    9,400      18th  130,000
9th   12,000      19th  170,000
10th  16,000      20th  220,000

Making a Mystery Character

If one of your players just cannot come up with a character concept they like, there is the option of asking them to play a mystery character. This will be an ordinary, simple character, but the player knows there is something about this character that no one (not even themself) knows. There is just something mysterious that will become apparent as the game proceeds. Troubling dreams, strange memories, sudden, unexpected powers, these are all possibilities. The reason this works is because the character doesn't know they have these powers, just as the player doesn't. As the player learns everything, so too does the character.

This also lets the player flavour the character however they see fit, which may or not contrast wildly with what the character's eventual secret is. Simon of Space is a good example; his old self is a ferocious, tyrannical leader, while Simon is meek and humble and easygoing...BUT has the hidden "power" of name recognition, being rich, and connections that he stumbles upon.