Answer:
I dig out tiny caves and store gold and silver in them. I also build bridges of silver and make crowns of gold. Sooner or later everybody needs my help yet many people are afraid to let me help them.
I don't live within a house, nor do I live without. Most will use me when they come in, and again when they go out. What am I?
I am a seven letter word. I am very heavy. Take away two letters from me and you will get eight. Take away one letter from me and you will get 80. What word am I?
Six letters do my name compound; among the aged oft I'm found; The shepherd also by the brook hears me when Leaning on his crook; but in the middle me divide and take the half on either side each backward read a liquor tell ev'ry gay toper knows it well.
What gets broken without being held?
No matter how little or how much you use me, you change me every month.