We should save money when we are earning well, so we have surplus for the tough times. Should we keep it in safe custody with ourselves, or deposit it with an external agency — a bank or financial institution? We tend to prefer an external agency, primarily for safety and return on investment.

We are also living in a materialistic world of ups and downs, joys and sorrows, good times and bad. When we're happy, do we think of God? Amid our jobs and day-to-day routines, God is often a distant thought, neglected at the back of our mind — until a stray, disillusioned moment when we need additional power to recoup and realign our speed and direction.

Sukh Vele Shukrana — pay gratitude in times of happiness. Dukh Vele Ardaas — pray to Him at times of crisis. Har Vele Simran — remember Him at all times.

Dukh Mein Sumiran Sab Kare, Sukh Mein Kare Na Koye, Jo Sukh Mein Sumiran Kare, Tau Dukh Kahe Ko Hoye (Kabir) — everyone remembers God when in trouble; none prays when all is well. If we remember God always, we will never face trouble.

We need to store energy when the going is good — that's when we have surplus to save. A Theist transfers that energy to the Divine Power, by devoting time to worship, meditation or chanting, and recovers it from there when times are tough; the risk is not devoting enough time during the good days. An Atheist stores that energy within themselves, and recovers from within when times are tough; the risk is not having the willpower to face the odds.