Some time ago after inexplicably saving the village of (insert quaint town name here) from the rampages of (insert generic fantasy monster here), you decided to abandon your former lives as (insert boring peasant jobs here) to become an adventuring party.

Unfortunately it turns out adventuring work is harder to come by than you originally thought, and the party has come under hard times. After your last quest turned out to be a bust, you were forced to sell off your remaining treasures and the party is now teetering on the edge of dissolution. You meet in a tavern to discuss how best to make ends meet.

Or...

Back story shmack shmory we've only got two days to save the world!