[RHat]

And how do you handle the Karma/Nuyen disparity that would come along with that?

[Alpha Blue]

I have a system where I add one week of downtime per karma spent. That way the players get to decide how much karma they wanna spend and how much they can afford to spend before the lifestyle has to be paid.
I make exeptions for  karma cost in spell learning and other fast ways to spend karma. This gives me an approximate length of the down time between runs.

[RHat]

I have a system where I add one week of downtime per karma spent. That way the players get to decide how much karma they wanna spend and how much they can afford to spend before the lifestyle has to be paid.
I make exeptions for  karma cost in spell learning and other fast ways to spend karma. This gives me an approximate length of the down time between runs.

That gets very problematic (in particular, but not exclusively, at the high end), though - with skills going to 12, and the costs of Attributes and Skill groups, you're looking at as much as half a year of downtime on that basis (just getting an Attribute to 7 is 9 months under that system).  Did you have some sort of houserule or workaround?  Do you find that your players respond by just not spending the karma on things they might otherwise want because the downtime is unmanageable?