#personal finance
- Hard-earned savings — The accumulation of material goods, money, or property acquired gradually through hard work, persistent effort, and diligent saving over time. Abstractly, the term carries a moral weight, implying honesty, thriftiness, and personal sacrifice.
- To accumulate — To gather, accumulate, or acquire gradually material goods, money, property, or knowledge through hard work, persistent effort, and thrifty saving. Abstractly or spiritually, it denotes compiling merits, wisdom, experience, or reputation over time.