In addition to whatever "free" gear the Marshal determines that the heroes start with, each member of the Posse starts with $350 to spend on starting gear.

The exact starting funds and gear for adventurers depends ultimately upon the Marshal. If the Posse comes from, say, 1905, then it's far less likely that everyone in the group has a car. The same might be said for them, if they come from 1935, in the middle of the Depression. Furthermore, availability and prices would vary greatly. Whiskey would be a lot harder to get during Prohibition, for instance, and unless a hero has a good reason, he shouldn't be able to casually stuff a Tommy Gun into his list of starting equipment.

It's recommended that it be assumed that each of the heroes has a fairly average lifestyle - Back home, each hero may have an average house or apartment with average furnishings, an average car (or some other means of transportation), an average wardrobe, and at least one good "Sunday best" suit or dress for special occasions. Most of the time, none of this will come into play, unless the Posse's adventures are set on the "home front". In that case, if a member of the Posse should wish to upgrade his "average" car, etc., it may be a good idea for the Marshal to determine just what sort of car he has - for instance - then allow the hero to pay the difference from his starting funds (or with the Belongings Edge) to "upgrade" to a better vehicle.

Unless the Marshal says otherwise (such as if the heroes are out of work during the Depression) the heroes have regular jobs that pay the bills and allow them to pretty much break even on day-to-day expenses that don't directly pertain to the adventure. If the heroes are the sort that depend upon adventuring for their income, then if there's any sort of reward involved, the Marshal may deduct a portion out of that to cover "living expenses".

The only items a hero should need to purchase would be personal gear that he'll be using during the adventure. It's assumed that he has a "normal" set of clothes, whatever the Marshal determines that to be: possibly a fedora, shirt, trousers, jacket and shoes for men, and dress, hat and shoes for women - unless the situation calls for other attire. However, if he wishes to have any items of clothing that offer measurable in-game bonuses or armor protection (Sneakers, Running Shoes, Heavy Boots, Pith Helmet, etc.), then those should be purchased out of starting gear.

Weapons and items of personal equipment should also be purchased - especially anything that is listed as "Black Market" - plus anything the hero plans on making any practical use out of. (e.g., an extra pack of cigarettes to trade to locals for information)

If the scope of the campaign is that the heroes might be sent into a tomb, temple or other ruin in search of an ancient artifact for the British Museum of London or some other entity, it could well be that the group is outfitted with "standard expedition gear" - rope, lanterns, camping gear, shovels, et cetera. In that case, even though the group may not be expected to purchase every last such item, it is still advisable that they write up a "requisition list" separate from their personal possessions, to submit to the Marshal. The Marshal can then go through the list, and cross out any items that the sponsors were unable (or unwilling) to provide for the expedition. (The British Museum of London is unlikely to approve the purchase of hand grenades or dynamite for exploring an Egyptian tomb, for example.)

A number of the "Common Gear" items listed above are included only for purposes of reference, and to give a sense of perspective. After all, prices have changed a lot since then, and even within this era, prices would have fluctuated considerably. The flat prices listed here are merely an abstraction, and some items wouldn't even be available until later on. (Such items are noted with the appropriate year of availability.)

When the Marshal isn't strict on exactly how much the party makes and how much they spend on this or that, sometimes there's a member of the group who wants exact figures, so he can optimize his resources for the sole purpose of being a more efficient killing machine. I know. I've been in a campaign with this sort of player. He wants to know how much his car is worth, how much his house is worth, and the furniture, etc., how much income he gets, how much he has in the bank, and how much he's spending on living expenses. Then, he announces that his character is a total ascetic, content to sell off his car, house, all the furniture, and to live in a run-down dirt-hole apartment and eat dog food, so that he can spend his life savings on bigger guns and more bullets.

My knee-jerk response would be to just kick the player out of the group, since this is bound to be a sign of worse things to come, but usually a gaming group consists of a bunch of friends (or at least frequent associates), and a response like that is easier thought than done. Plan B would just be to inform the character that this is a Posse full of people who actually have lives and personalities, so there'd be no way for his ascetic to hook up with this party, and would he please write up a new character who has a shred of humanity. Failing that, here's a possible way of dealing with such an eventuality:

First off, go ahead and do the calculations for how much money this should yield the character. Then, figure out how this would translate into multiple purchases of the Dinero and/or Belongings Edges. Next, figure out how many points worth of Hindrances would be required to balance this out. Lastly, figure out some appropriate Hindrances to slap onto the character - above and beyond what he may have already - as side effects of his pinch-penny lifestyle. Don't give him roleplay disadvantages. (You'd be rewarding him, after all.) Give him situational disadvantages. In fact, you don't even need to tell him about this (though he's bound to find out sooner or later).

Here are some examples:

Now, this may look like you're punishing the hero for being a penny-pincher. Well, yes and no. First off, the Marshal is letting the Posse members have things that would be indicative of "normal lives", without making them pay for it out of their starting gear. With a bit of hand-waving, they've got cars and homes. The character who wants to play a totally ascetic character who lives only for "min-maxing" himself to be the ultimate killing machine is taking advantage of the fact that his character is ultimately his puppet in a fictitious world, and that he can make his character go through any discomfort for the sake of "winning". Could he really live in such depravity? (If so, why are you letting him in your house, anyway?)

Such a character is gaining useful gear for the adventure, at the expense of "off camera" details that have no direct bearing on the game. So, in order to balance this, you give him some disadvantages to reflect the fact that his character needs to get a life. The bottom line is that the character is actually still getting a benefit, in that he gets to go over the normal limit of up to 10 points in Disadvantages.

The scale of the Dinero Edge is slightly changed in this era:

The "cash on hand" and samples of possible equipment are somewhat different than that of the Weird West Players' Guide. "Belongings" can be taken for just the extra cash, but remember that any particular special possessions require working with the Marshal to determine just what would be appropriate.