this was discussed a while back and I believe it was said by many to mean "saving" gold for a rainy day. Keeping a bit of cash around for those hard times in which a person may find themselves in other words!
Char
websters dictionary - to make headway against.
it is also a nautical term - re: stem of a ship
perhaps stemming in the song was done by theft or misappropriation instead of good old honest saving!
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