the.com/nest egg

Money you pretend not to touch so future you doesn't starve.

means A sum of money saved and set aside for future needs, usually left to grow untouched.

from From the real farming practice of leaving an egg (sometimes a fake porcelain or wooden one) in a hen's nest to encourage her to keep laying there. The literal egg became a figurative one by the 1600s, with the saved money playing the role of that planted egg — something left behind to prompt more accumulation.

origin
farmers left a fake egg to encourage hens to lay
psychology
works because spending it feels like theft from yourself
inflation risk
cash nest eggs quietly shrink if left uninvested
rule of thumb
size matters less than never cracking it early
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