Rules

We've built our characters using the 4 player numbers: 24 Investigative Build Points, 75 General Build Points (+1 free point in Health), 24 bigcredits for gear, cybernetics, and viroware.

It's OK to save a build point and decide in game that you've always had that ability by spending it right there and then.

You can save bigcredits for later spending as well, but that involves being somewhere where you can shop. Between adventures you can find almost anything for sale.