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to store; to save up; to stock up on; to lay in stock; to set aside
to accumulate (e.g. knowledge); to build up (e.g. experience); to develop (e.g. one's skills)
to grow (a beard, moustache, etc.); to wear
老後のためにお金を蓄えておくことが大切だよ。
It's important to save money for retirement.
知識を蓄えることは将来の役に立つはずだと思う。
Accumulating knowledge should be useful for the future.
冬に備えて食料を蓄える動物も多いと聞くね。
I hear many animals store food for winter.