Sachiko always used to say you should set money aside for when you get sick.

Literal

Sachiko [topic-は] always illness [possessive-の] time [for-ために] money [object-を] separately set-aside [better-た方がいい] [quotative-と] was-saying [polite-ました].

~と言っていました reports habitual past speech. 別にとって置く means 'to set aside separately' — とっておく uses ておく ('do in advance'). た方がいい is the advice pattern 'had better.' The whole thing is a quote of Sachiko's habitual advice.