2024/12/23 Save it for a rainy day. The words dont necessarily mean we should retain something for a time of inclement weather but that we should consider reserving something for a future need. In some way, youre doing a good job of ensuring some level of protection is in place that you believe youll need in the future. This might be sensible. Make sure you dont succumb to a need to take this too far. You could be focusing too intently on an outcome that is more unlikely than likely.