NoSharedMoney

How to Fish gives the whole crew one shared bank balance. This mod gives every player their own.

Sell a fish, the money goes to you. Buy a rod, it comes out of your wallet. Your balance follows your Steam account and survives rejoins and restarts.

Everyone needs this mod

All players must have NoSharedMoney installed, including the host. Wallet balances are pushed to each client individually, and a client without the mod has no way to receive them.

If someone joins without it, the host gets a warning in the console and in chat. That player is not able to break anything, the server still refuses any purchase they cannot afford, but their money display will be stuck on a stale number and they will not be able to buy anything until they install the mod.

How it works

• Each player has their own balance, keyed by Steam ID.
• Selling credits whoever put the item in the sell box (or fed it to a quest NPC). If you catch a fish and hand it to a friend, they get paid for it.
• Buying charges the player who interacted with the shop. That includes shared boat upgrades like the motor and the radar: the buyer pays the full price, and the whole crew gets the benefit.
• Every purchase is still checked on the server against the buyer's real balance, so nobody can spend money they do not have.

Existing saves

The first time you load a save that still has a shared balance, that money is split evenly between the players recorded in the save, with any remainder going to the host. If the save has no player records yet, the whole amount goes to the first player who joins.

Balances live in %USERPROFILE%\AppData\LocalLow\Dazed Games\How to Fish\NoSharedMoney\<save name>.json, alongside the game's own saves. It is plain JSON keyed by Steam ID, so you can read or hand-edit it. The vanilla save file is left intact, its single money field is kept up to date with the crew's combined total, so removing the mod leaves you with a sensible shared balance rather than a broken save.

Config

BepInEx/config/dazed.howtofish.nosharedmoney.cfg