I’ve been trying to save gold, but I really wasn’t too stingy in what I spent it on. Mostly upgrading just weapons, repair bills, and an aspect here and there. I’m mostly hording mats until late game. If you make a couple runs or selling blues and yellows you find, you’ll get back what you spent in respeccing easy. Just don’t sell too much in items because you’ll have plenty of gold in no time from said selling and questing. Mats are more valuable. What I’m getting at is don’t feel bad spending to respec, I did it a couple times tinkering with skills here and there, and once completely all over. I’m not in end game so take that with a grain of salt. I have fun tinkering with skills so I am not really bothered spending on it.