Reserve XP Fund
A reserve XP fund is a fund of experience points established by a player that serves as an XP floor for all of the player's future characters. The number of experience points in the reserve is equal to 90% of the gold piece value of money allocated to the reserve. Money is allocated to the reserve by spending it to no other tangible game benefit whatsoever. This could include anonymous tithes to churches; reckless spending on wine, women, and song; elaborate funeral pyres for deceased henchmen; and so on. When the player begins playing a new character, the new character starts with XP equal to the XP reserve, rather than start at 0.