If you are part of a squadron, they will have a common vault where money is donated. Vault money isn’t sucked up from your savings, but I don’t know where it comes from ( it’s not important to know that ). When you level up, purchase a new plane/upgrade, some amount is donated to the vault, but it’s split up amongst all the squad members ( i.e. more members = less money per person ). You can collect that money and it is added to your savings and can use it normally. But, the vault is emptied after a week so you can’t just wait and have millions in the vault.