If your retirement money was paid to you in one lump sum, would you be able to not use it and put it in your savings?
Your savings gold is your savings. You'd be good to have gold right now in your savings, actually. Melt it down into bars, manngggg.
This is a jukugo word, which usually means on'yomi readings from the kanji. If you know the readings of your kanji you'll know how to read this as well.