Penniless Lifesavers are the things that are “saving my life” right now that you don’t have to spend any money to do. Do I occasionally spend some amount of money associated with them? Yes. Is the expenditure of money necesarry to enjoy them? No. Sometimes I have even found that spending money in conjunction with them ads no value and sometimes even diminishes experience in a weird way.
Most of the time these are ways I spend my time, direct my focus, or use something in an unconventional way.