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I'm saving money just in case.
Literal
By-chance [for-に備えて] money [object-を] accumulate.
A curt statement of habitual action. たくわえる (蓄える, 'to store, to stockpile') is a formal/literary verb for saving or accumulating — more deliberate than the everyday ためる. Plain dictionary form marks it as a general practice rather than a specific instance.