Build savings in money, skill, trust, and energy.

Money is the reserve everyone thinks of, and it is only one of four. Skill is a reserve, since it can be converted when needed. Trust is a reserve, because people help those who have been reliable. Energy is a reserve, and it determines whether you can use any of the others.

Check which of the four is most depleted right now. It is often not the financial one. Whichever is lowest is the one limiting you, regardless of how the others look.