Usage patterns
蓄えがあるto have savings/reserves
I have some savings set aside for my old age.
蓄えを増やすto increase one's savings
I'm gradually increasing my savings every month.
蓄えを崩すto dip into one's savings
An unexpected expense forced me to dip into my savings.
〈物〉の蓄えが底をつくfor one's reserves of something to run out
Our stockpile of emergency food ran out.