Gothologist [2306065]

R+ but books can also be obtained via mission points, not just subscriber status

Heisenberg [1574771]

Any chance you could make a budget option 150 perks with less than 15b networth for example Some people wont be able to fork out all those billions for the stock passives

bbrainstormer [2644018]

Don't forget the +2% stat bonuses from the sport science courses

bbrainstormer [2644018]

Don't forget the +2% stat bonuses from the sport science courses

Broker [689823]

The 2% contributes to the 1% gains totalling 3% - the perk is for each gym stat If doing the 2 courses for 2% bonus to each is quicker than 4 courses for 1% to each then I’d do that

bbrainstormer [2644018]

Don't forget the +2% stat bonuses from the sport science courses

Broker [689823]

The 2% contributes to the 1% gains totalling 3% - the perk is for each gym stat If doing the 2 courses for 2% bonus to each is quicker than 4 courses for 1% to each then I’d do that

bbrainstormer [2644018]

4 of the courses give +1% gym gains for each stat (the bachelor increases that to 2% for each stat) 2 of the courses give +2% to the stats themselves (not the gym gains) They're separate

Broker [689823]

TornWiki Perks Guide - It was fun helping all that found this useful but I will no longer be updating this guide. Please use the official wiki which has now been updated for some time. I’ll leave this page as it is. Thank you to all! - 8/4/26

Since the Wiki is yet to be updated and there’s been some requests, I thought I may as well outline the possible ways of obtaining this merit since the change to the stock system, reducing the number of obtainable personal perks.

Obtainable Perks

Education - 68
Enhancers - 22
TC Jobs - 3
Company Passive - 4
Merits - 27
Stocks - 13
Property - 4
Faction - 28
Book - 1

Total = 170

Recommendation

- You’d want to focus on getting those educations providing perks - 68 total to get, taking a really long time, so focus on doing these education courses first
- Put one merit on each branch - Total cost 27 merits
- Purchase all 22 enhancers - since sneakers are off market I’ve removed from the list
- Join a 10* company with 4 passive specials - Car Dealership, Gun Shop, Law Firm, Lingerie Store or Meat Warehouse
- Purchase as many passive stocks as possible - Start with the ones that you’ll make use of then go from the cheapest
- Get all 3 perks from TC standard jobs - Revive ability (medical), -10% education time (education), +10% crime success (law)
- Live in max PI - Buy one ($1.6bn-$1.9bn), marry someone who owns one and move in or rent one
- Join faction with as many perks available as possible - Ideally enough to land you 150 perks, minimum requirement is 11 provided you have all other perks
- Reading a book contributes to 1 perk and can only read one at a time - obtainable as a subscriber, found in city or bought with mission credits

Breakdown

Stocks; (Prices Subject to Change) - Aim for International School > Torn City Motors (8/13), approx. $1bn

Wind Lines Travel - $4.3bn
Syscore MFG - $1.4bb
Torn city Investments - $1.2bn
Empty Lunchbox Traders - $926m
Lo Squalo Waste - $735m
Torn City Motors - $300m
Torn City Media Productions - $270m
Tell Group PLC - $221m
I Industries Ltd. - $87m
Westside University - $64m
Messaging Inc - $47m
Yazoo - $35m
International School TC - $32m

Enhancers; (Prices Subject to Change) - (Suitcases don’t stack) - aim for all except sneakers (21/22), approx. $55m-70m

Wind proof Lighter - $47m
Office Chair - $18.4m
Large Suitcase - $10m
Rosary Beads - $6m
Medium Suitcase - $3.5m
Small Suitcase - $1.8m
Paint Mask - $1m
Balaclava - $907k
Mountain Bike - $845k
Ergonomic Keyboard - $425k
Screwdriver - $325k
Advanced Driving Tactics Manual - $310k
Wireless Dongle - $233k
Cut-Throat Razor - $215k
Slim Crowbar - 190k
Glasses - $150k
Flashlight - $144k
Tracking Device - $125k
Chloroform - $125k
High-Speed Drive - $125k
Duct Tape - $105k
Heavy Duty Padlock - $100k
Tumble Dryer - $100k
Fanny Pack - $100k

Education; (taken from wiki) - reduce education length as much as possible, (WSU/TC Education Perk) + join a FC or Hair Salon to use 1 job point to reduce education length by 30 mins, max 5hrs daily in a 10* company

Common

• Education: + 5% Strength
• Education: + 13% Speed
• Education: + 19% Dexterity
• Education: + 11% Defense

Biology

• Education: + 1% Damage
• Education: + 10% Neck hit damage
• Education: − 25% Opponent stealth
• Education: + 3% Critical hit chance
• Education: + 20% Medical item effectiveness (BIO2360 & BIO2370)
• Education: + Withdraw and deliver blood
• Education: + Medical booster equipping
• Education: + Pharmacy unlocked

Business Management

• Education: + Company advertising effectiveness
• Education: + Employee working stat
• Education: + Company size / staff room unlocked
• Education: + 10% Company productivity
• Education: + 12% Employee effectiveness
• Education: + 15% Increase prices ability

Combat Training

• Education: + 1% Accuracy
• Education: + 5% Machine gun accuracy
• Education: + 5% SMG accuracy
• Education: + 5% Pistol accuracy
• Education: + 5% Rifle accuracy
• Education: + 5% Heavy artillery accuracy
• Education: + 5% Shotgun accuracy
• Education: + Weapon experience unlocked

Computer Science

• Education: + Coding of simple virus unlocked
• Education: + Coding of polymorphic and tunneling virus
• Education: + Hacking unlocked
• Education: + Coding of armored and stealth virus
• Education: − 30% Virus coding time (CMT2580 & CMT2600)
• Education: + 10% Hacking success rate
• Education: + Anonymous mailing unlocked
• Education: + Unlock the ability to create an online store for your counterfeit DVDs
• Education: + Unlocks rig overclocking up to 50%
• Education: + Ability to extract email addresses through data breaches in Scamming
• Education: + Ability to initiate website scrapers

General Studies

• Education: + Driving crimes unlocked
• Education: + 5% Temporary weapon accuracy
• Education: + 5% Temporary weapon damage
• Education: + 15% Hunting bonus
• Education: + 10% Working stat education gain

Health & Fitness

• Education: + 25% increase in speed during an opponents escape attempt

History

• Education: + 10% Japanese blade damage
• Education: + 2% Melee damage
• Education: + Ability to find medieval coins
• Education: + Ability to find sculptures and Quran pages
• Education: + Ability to find senet board and amulets
• Education: + Museum unlocked

Law

• Education: + Jail escape chance
• Education: + Self bailing unlocked
• Education: − 5% Estate agent cost
• Education: − Escape jail nerve cost
• Education: + 65% Busting skill
• Education: − 57.25% Bail cost

Maths

• Education: + 35% Ammo management (MTH2310 & MTH3330)
• Education: + 1% Company productivity (stacks with Business Management Perk)

Psychology

• Education: + 10% Awareness
• Education: + 10% crime success rate
• Education: + Range indicators for Scamming

Self Defense

• Education: + Kick attack unlocked
• Education: + 100% Fist damage

Sports Science

• Education: + 10% Temporary booster effectiveness
• Education: + 1% Strength gym gains
• Education: + 1% Speed gym gains
• Education: + 1% Defense gym gains
• Education: + 1% Dexterity gym gains
• Education: + 1% Gym gains
• Education: + Sports shop unlocked

EDIT;

It’s worth noting that you will probably make investments you’ll no longer need once you’ve achieved the merit.

- You can reset merits to fill the branches to fit your play style / meet demands
- You can sell stocks you no longer need, although there is a merit for owning ALL stock BB’s at the same time, approx $25bn-$30bn
- You can sell any enhancers you no longer need, maybe even at a profit

UPDATE:

So, I myself was able to acquire the merit a little while ago and mentioned that I’ll explain exactly how I achieved it.

Education - 63 - I competed all education
Enhancers - 19 - I purchased one of every enhancer except sneakers
TC Jobs - 3 - I joined all TC jobs and achieved the passive
Company Passive - 4 - I joined a meat warehouse
Merits - 27 - I put one merit on each skill
Stocks - 11 - I had purchased all stocks except WLT & LOS costing me approx $5b
Property - 4 - I own a maxed out PI
Faction - 18 - I was with NSIV at the time which had 18 active perks
Book - 1 - I was reading the limbo lovers book

Total = 150

Broker [689823]

TornWiki Perks Guide - It was fun helping all that found this useful but I will no longer be updating this guide. Please use the official wiki which has now been updated for some time. I’ll leave this page as it is. Thank you to all! - 8/4/26

Since the Wiki is yet to be updated and there’s been some requests, I thought I may as well outline the possible ways of obtaining this merit since the change to the stock system, reducing the number of obtainable personal perks.

Obtainable Perks

Education - 68
Enhancers - 22
TC Jobs - 3
Company Passive - 4
Merits - 27
Stocks - 13
Property - 4
Faction - 28
Book - 1

Total = 170

Recommendation

- You’d want to focus on getting those educations providing perks - 68 total to get, taking a really long time, so focus on doing these education courses first
- Put one merit on each branch - Total cost 27 merits
- Purchase all 22 enhancers - since sneakers are off market I’ve removed from the list
- Join a 10* company with 4 passive specials - Car Dealership, Gun Shop, Law Firm, Lingerie Store or Meat Warehouse
- Purchase as many passive stocks as possible - Start with the ones that you’ll make use of then go from the cheapest
- Get all 3 perks from TC standard jobs - Revive ability (medical), -10% education time (education), +10% crime success (law)
- Live in max PI - Buy one ($1.6bn-$1.9bn), marry someone who owns one and move in or rent one
- Join faction with as many perks available as possible - Ideally enough to land you 150 perks, minimum requirement is 11 provided you have all other perks
- Reading a book contributes to 1 perk and can only read one at a time - obtainable as a subscriber, found in city or bought with mission credits

Breakdown

Stocks; (Prices Subject to Change) - Aim for International School > Torn City Motors (8/13), approx. $1bn

Wind Lines Travel - $4.3bn
Syscore MFG - $1.4bb
Torn city Investments - $1.2bn
Empty Lunchbox Traders - $926m
Lo Squalo Waste - $735m
Torn City Motors - $300m
Torn City Media Productions - $270m
Tell Group PLC - $221m
I Industries Ltd. - $87m
Westside University - $64m
Messaging Inc - $47m
Yazoo - $35m
International School TC - $32m

Enhancers; (Prices Subject to Change) - (Suitcases don’t stack) - aim for all except sneakers (21/22), approx. $55m-70m

Wind proof Lighter - $47m
Office Chair - $18.4m
Large Suitcase - $10m
Rosary Beads - $6m
Medium Suitcase - $3.5m
Small Suitcase - $1.8m
Paint Mask - $1m
Balaclava - $907k
Mountain Bike - $845k
Ergonomic Keyboard - $425k
Screwdriver - $325k
Advanced Driving Tactics Manual - $310k
Wireless Dongle - $233k
Cut-Throat Razor - $215k
Slim Crowbar - 190k
Glasses - $150k
Flashlight - $144k
Tracking Device - $125k
Chloroform - $125k
High-Speed Drive - $125k
Duct Tape - $105k
Heavy Duty Padlock - $100k
Tumble Dryer - $100k
Fanny Pack - $100k

Education; (taken from wiki) - reduce education length as much as possible, (WSU/TC Education Perk) + join a FC or Hair Salon to use 1 job point to reduce education length by 30 mins, max 5hrs daily in a 10* company

Common

• Education: + 5% Strength
• Education: + 13% Speed
• Education: + 19% Dexterity
• Education: + 11% Defense

Biology

• Education: + 1% Damage
• Education: + 10% Neck hit damage
• Education: − 25% Opponent stealth
• Education: + 3% Critical hit chance
• Education: + 20% Medical item effectiveness (BIO2360 & BIO2370)
• Education: + Withdraw and deliver blood
• Education: + Medical booster equipping
• Education: + Pharmacy unlocked

Business Management

• Education: + Company advertising effectiveness
• Education: + Employee working stat
• Education: + Company size / staff room unlocked
• Education: + 10% Company productivity
• Education: + 12% Employee effectiveness
• Education: + 15% Increase prices ability

Combat Training

• Education: + 1% Accuracy
• Education: + 5% Machine gun accuracy
• Education: + 5% SMG accuracy
• Education: + 5% Pistol accuracy
• Education: + 5% Rifle accuracy
• Education: + 5% Heavy artillery accuracy
• Education: + 5% Shotgun accuracy
• Education: + Weapon experience unlocked

Computer Science

• Education: + Coding of simple virus unlocked
• Education: + Coding of polymorphic and tunneling virus
• Education: + Hacking unlocked
• Education: + Coding of armored and stealth virus
• Education: − 30% Virus coding time (CMT2580 & CMT2600)
• Education: + 10% Hacking success rate
• Education: + Anonymous mailing unlocked
• Education: + Unlock the ability to create an online store for your counterfeit DVDs
• Education: + Unlocks rig overclocking up to 50%
• Education: + Ability to extract email addresses through data breaches in Scamming
• Education: + Ability to initiate website scrapers

General Studies

• Education: + Driving crimes unlocked
• Education: + 5% Temporary weapon accuracy
• Education: + 5% Temporary weapon damage
• Education: + 15% Hunting bonus
• Education: + 10% Working stat education gain

Health & Fitness

• Education: + 25% increase in speed during an opponents escape attempt

History

• Education: + 10% Japanese blade damage
• Education: + 2% Melee damage
• Education: + Ability to find medieval coins
• Education: + Ability to find sculptures and Quran pages
• Education: + Ability to find senet board and amulets
• Education: + Museum unlocked

Law

• Education: + Jail escape chance
• Education: + Self bailing unlocked
• Education: − 5% Estate agent cost
• Education: − Escape jail nerve cost
• Education: + 65% Busting skill
• Education: − 57.25% Bail cost

Maths

• Education: + 35% Ammo management (MTH2310 & MTH3330)
• Education: + 1% Company productivity (stacks with Business Management Perk)

Psychology

• Education: + 10% Awareness
• Education: + 10% crime success rate
• Education: + Range indicators for Scamming

Self Defense

• Education: + Kick attack unlocked
• Education: + 100% Fist damage

Sports Science

• Education: + 10% Temporary booster effectiveness
• Education: + 1% Strength gym gains
• Education: + 1% Speed gym gains
• Education: + 1% Defense gym gains
• Education: + 1% Dexterity gym gains
• Education: + 1% Gym gains
• Education: + Sports shop unlocked

EDIT;

It’s worth noting that you will probably make investments you’ll no longer need once you’ve achieved the merit.

- You can reset merits to fill the branches to fit your play style / meet demands
- You can sell stocks you no longer need, although there is a merit for owning ALL stock BB’s at the same time, approx $25bn-$30bn
- You can sell any enhancers you no longer need, maybe even at a profit

UPDATE:

So, I myself was able to acquire the merit a little while ago and mentioned that I’ll explain exactly how I achieved it.

Education - 63 - I competed all education
Enhancers - 19 - I purchased one of every enhancer except sneakers
TC Jobs - 3 - I joined all TC jobs and achieved the passive
Company Passive - 4 - I joined a meat warehouse
Merits - 27 - I put one merit on each skill
Stocks - 11 - I had purchased all stocks except WLT & LOS costing me approx $5b
Property - 4 - I own a maxed out PI
Faction - 18 - I was with NSIV at the time which had 18 active perks
Book - 1 - I was reading the limbo lovers book

Total = 150

Fermion [2691036]

You do get perks from rented property, otherwise no use of airstrip pilot