Gear
Some settings provide your hero with all the gear she needs. Most simply grant a starting amount of funds you can use to purchase whatever you like from a relevant list of weapons, armor, and adventuring gear.
Unless your setting book or GM says otherwise, the standard starting amount is $500. A list of common gear and weapons can be found in Chapter Two.
Depending on the setting, this might be everything the character owns or it may represent their “adventuring” gear, with their more mundane belongings stored at a home or apartment. The latter is up to the Game Master. In modern settings, most everyone should have a home, clothes, appliances, and so on. The equipment you list on your character sheet should be your character’s “adventuring gear” rather than an exhaustive list of everything she owns.
Players don’t have to worry about how much they can carry in most games, but if it becomes important, see Encumbrance on page 67.