Everybody will be given 4 small rocks and a bread stick for money.
Oh, and you all die. Sorry.
Boy, that was a short game! Next!
Seriously, everybody can start with money based on your level, which will be 3rd. Let's not get crazy with magic items though. How about no magic item greater than a fourth of the starting wealth. I'd give you a number, but I can't remember the exact amount, so just go with a fourth...
As far as limitations go, 32 point buy on stats.