Your banking account is like a send. Sometimes it drifts high in the water, and sometimes it begins to flow a little lower; the cash it contains is its petrol. When you have a lot of petrol, your vessel can look at over the water and avoid the stones and other problems under the surface.
Have you ever seen that commercial where a man standing in front of his dad and feel embarrassed to borrow money from him? And finally when he finds strength to ask for some cash his dad says no and there is a few gallons of water mixed with ice shower his son from the ceiling. Have you experienced something similar?