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Message: <blockquote data-quote="tigycho" data-source="post: 1976041" data-attributes="member: 26604">All you have to do to handle this is have them keep track of two XP numbers:  Earned and Spent.  Spent may never exceed earned.  Then, rather than advancing in class levels whenever they have enough earned xp, they actually spend xp to level up, as well.  Effective character level is based on Earned XP.  If the PC is sitting on XP, he won't be as powerful as his or her effective level, but that's how D&D already works, so that's fine. Class abilities come from XP spent on class levels.Example:  A third level fighter has 6000 earned xp and 6000 spent xp.  Why is he only third level?  Because he spent 1000 xp on a second fighter level, 2000 more xp on a third fighter level, and the other 3000 (!) on skills and feats (that'd be a lot of feats). If he earns (and doesn't spend) another 3000 xp, he'll be able to afford to buy a fourth level in fighter, or, a first level in another class, or, I suppose, sit on them, buy more feats, or whatever.In any case, no problem.  You should really check out Buy the Numbers, as mentioned above.Tigs</blockquote>