The character needs to spend the vast majority of nuyen they have; by the end of this step, they may choose to hold onto 5,000 nuyen or less and add it to their starting nuyen (p. 95). Any nuyen remaining over 5,000 is lost and cannot be recovered. While nuyen from this step cannot be converted to Karma, players can convert some of their Karma to nuyen if they need a little more to spend. They may convert up to 10 Karma at a rate of 2,000 nuyen per Karma point for gear, which means they can have up to 20,000 extra nuyen.
