Effects
Modifier values for patch 1.20.1.2 are listed below. Check the in-game tooltip for availability and current setup.
| Modifier | Value |
|---|---|
| Monthly Income | -15% |
| Piety | +0.5/month |
| Diplomacy | +1 |
| Stress Loss | +20% |
| Zealot Vassal Opinion | +10 |
In play
Improvident: monthly income falls by 15%, piety rises by 0.5 a month, diplomacy rises by 1, stress loss rises by 20%, and zealot vassal opinion rises by 10. Improvident changes stress loss (+20%). That row is the one to plan around. Profligate is the opposite.
How to get Improvident
- Gain: A coping trait. It is offered as an option in a mental break event, which fires when your stress crosses into a new stress level and again after years spent stressed. Needs a Generous, Forgiving, Compassionate, Just or Content character. You cannot pick up a new coping trait this way once you have two.
Sources: ck3db: Improvident (patch 1.20.1.2)