a quick thought: Is it time to tap into those rainy day savings

I remember growing up hearing that we needed to put money away for a rainy day. I also heard this in the church.
Well with our congregations declining or at best not keeping up with population growth, a shortage of pastors and other struggles maybe the rainy days are here or as someone else said I fell like we are living in a torrential downpour.
So are the rainy days here??