チョ, た.める, たくわ.える
savings, store, lay in, keep, wear mustache
JLPT2 G4 S12 F1100
The relevant oracle bone form of this character combines 貝 commodities + a depiction of a square frame → fill a container/storehouse with goods → *storage*; *lay in stock*; *save*. The square frame element came to be written 宁.
[Full Kanji Etymology List]