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You shouldn't have a multi-class penalty as wizard is the elves favored class. By getting a 40% drop in experience do you mean that the monsters you kill are now giving you less exp.? If so this is because you have leveled up. The way 3rd ed. awards exp. pts. is by the difference in your level verus the monsters level called the Challenge Rating(CR). As the CR goes down the exp. awarded becomes less. This works by total level not class level. So if you are now a level 4 wizard and a level 2 fighter your total level is considered to be 6 and any level 1 or 2 monsters will only give about 10 exp. pts. now.
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