The final stage of character creation is to decide upon an adventurer’s starting equipment. In Hack100, there is no “shopping list” of standard goods for new characters. Rather, it is recommended that the player and the Referee agree upon the equipment a given character might reasonably expect to own based upon the campaign setting and the character’s Specialism, background and motivation. Of course, the Referee’s decisions in such regards are final.
If there is a preference for introducing a random element to starting equipment, then assume that each new character has the travelling clothes they are wearing, together with 1d10 other items (including any weapons or armour), 1d10 silver pieces and 1d10 copper pieces.