You start off with an adequate amount of exp, and there you start going down.
When you kill a mob, or do something that normally would give you exp,
this time it's taken away. If you die, you regain some the exp you've lost.
You have to de-train all your skills and spells (but not too fast, or you'll
make your decreasing more difficult) and eventually make them drop to zero.
After some years of hard work of trying to suck more, you'll reach total
of 0 exp, completing the task of "hero to zero". Rewards would be
substantial.