in fact, the logic of growth is as follows: You need to be (in your head, emotionally, with knowledge, with skills, with character ready), to work, then to have. This is the only real order in which great success is achieved, the first task is to learn to make money, the second task is to save money, and the third is to know how to multiply it. ~dobartim

This is where many of us fail. I also failed at this point in 2011. I really made money I did well to save but never did I multiply it and 2012 sickness came and took away all the money. Now What sickness was it, I lost my sight to something medically I didn't know I was booked for a surgery in India and it was estimated to cost me 35 thousand dollars what if I didn't save? I later regained my sight and though I didn't go to india again the team of doctor came to my country which reduced cost for me. I learnt my lessons.

With this you can NEVER run dry.
Thanks @dobartim for this wonderful piece of insight