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When you can, buy the piggy bank from the Merchant. And the mining helmet (https://terraria.fandom.com/wiki/Mining_armor#Set) helps a lot.
And I've noticed you're playing more Terraria! At least a bit. I don't know what guide I found to help me - and maybe you don't want one. But if you do! https://terraria.fandom.com/wiki/Guide:Walkthrough
If you pick it up again, you'll probably want a guide!